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User Growth – User growth proved to be the big hit for NFLX in the third quarter. During the quarter, analysts expected that the company would add just over 5 million new users to the platform. However, the company actually added 6.96 million, with 5.87 million users coming from overseas. Of course, this suggests that growth overseas will offset any issues with subscriber growth here in the United States.
Revenue – In terms of revenue, the company performed right in line with analyst expectations. During the quarter, the company generated revenue of $4 billion.
Earnings – Earnings proved to be a big hit. During the quarter, the company announced that it generated earnings in the amount of $0.89 per share. Analysts expected that NFLX would generate earnings of $0.68 per share.
Following the overwhelmingly strong earnings report, various analysts increased their price targets for the stock. Some of the most notable price target increases came from Morgan Stanley, J.P. Morgan, Raymond James, and Canaccord Genuity.
One of the first lessons that we learn when we start to dig into the market is that the news leads to moves. In the case of Netflix, the news proved to be overwhelmingly positive. After all, strong earnings was great news and the strong subscriber growth was an incredibly positive surprise. So, it comes as no surprise that excited investors are sending the stock on a run for the top. As is normally the case, our partners at Trade Ideas were the first to alert us to the movement. At the moment (7:56), NFLX is trading at $382.50 per share after a gain of $36.10 per share or 10.42% thus far today.
Moving forward, the CNA Finance team will continue to keep a close eye on NFLX. In particular, we're interested in following the story surrounding the company's continued growth as it seems to be smashing expectations at the moment. Nonetheless, we'll continue to follow the story closely and bring the news to you as it breaks!
Helios and Matheson Analytics (HMNY) Stock: Too Little Too Late!


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Record year expected…
The Taupo Mayor has sent out a 'nice' invitation to have coffee with him in Turangi on Friday. So TRM are sending our chief negotiator – SWMBO. She is more persuasive and convincing than Jacinda… I have not won an argument with Her in the last 50 years, so he doesn't stand a chance. Her issue is all about the T2T and Turangi being ignored, as follows – so they can't say they weren't warned…
While Turangi languishes and patiently waits for the T2T (Taupo to Turangi) bike trail for the last ten years, it is interesting to reflect that the Otago Central Rail Trail is on track to have its busiest year on record.
And guess where most of the bikers are from? The North Island…!!!
Toe-paw Council continue to ignore the need for what would undoubtedly become the most popular bike trail in NZ along the shores of Lake Taupo.
Below was TRM's submission to Council for their long term planning. Yet it is still not even in their long term plan!
As it continues to be ignored… we have to keep posting it to expose Council until they take action…
Back to the Otago example: Trends show the number of people cycling the complete trail each year since 2015 has steadily increased by at least 300 people annually.
In 2015-16 the trail was used by 13,406 cyclists and in 2016-17 the number rose to 14,089. For 2017-18 the total increased to 14,392.
The annual total is a conservative figure and does not include at least 80,000 riders who use the trail for commuting or for short rides.
The Otago Central Rail Trail is most popular among North Islanders.
''However, over the past five years or so, a higher proportion are coming from overseas (30%-40%), reflecting the efforts to market the trail overseas.''
TRM's concern is that the proposed T2T (Taupo to Turangi) bike trail has been overlooked in the long term Taupo Council strategy plan? This is more than just another club bike trail as an extension of those already in Taupo such as the W2K.
This is far more important and should be regarded as much as a "job creation" scheme for all those small settlements along the eastern side of Lake Taupo between Waitahanui and Turangi. It could be the economic saviour for Turangi.
It is that important to link with existing DOC managed tracks into the Kaimanawas.
TRM have been "posting" this proposal on our website blog for some time but Taupo Council have failed to respond. Hence this submission.
The original proposal – to link up the DoC trail from Tree Trunk Gorge to Tongariro River angler access tracks – was sent to Taupo Council by the Advocates for the Tongariro River about 14 years ago. Since then it has featured in Taupo Times and Turangi Tongariro Weekender several times.
A video presentation was prepared in 2011 which included statements from Taupo Mayor, Rick Cooper, Taupo MP Louise Upston, etc. all totally supporting the concept.
It also featured in other publications such as the Wilderness Magazine in 2010.
More recently in 2016 a feasibility report was prepared for Council (by an x-Council planner – Perception Planning Ltd. – who hopelessly over-priced the trail making it uneconomic and unrealistic for funding!) – his report cost $25,000? – with further analysis by TRC (Tourism Resource Consultants) all paid for by Council. Then in 2017 the Turangi Economic Development Strategy prepared by RPS for Council – $55,000? – identified this "T2T" as a "transformational" priority for Taupo District Council. Since then DGLT (Destination Great Lake Taupo) – GM Damian Coutts) have combined with Taupo Council to prepare a submission to DOC in October 2017 for this to become the Tourism Department's next Great NZ Walk – 100 km extending from Taupo to Whakapapa.
Yet it has not even been mentioned in Toe-paw Council's 10 year projections! Why is that?
As the Turangi Taupo Trail report feasibility assessment appointed Go Tongariro – the Turangi council appointed promotions team to promote and organise the T2T – to implement their report we recently met with two committee members. They knew nothing about the T2T or the reports. So that has prompted this submission. It deserves to be a priority item on your agenda.
So below is our Turangi motel "blog" which was "posted" in 2016 and 2017 to explain more background of how Taupo Council have failed Turangi…
Turangi's wish list
T2T (Turangi to Taupo) Trail
This is the "biggie".
For Turangi's wish list we copy and elaborate on our report from TRM's 2015 & 2016 & 2017 wish Lists:
Taupo-Turangi bike trail plan
Based on the article from Taupo Times 13 November 2015 – by Matt Shand describing the ambitious plan to build a 50km bike trail connecting Taupo and Turangi could mean big money for both towns when it gets the green light. But first some background stuff:
The project was proposed by Destination Great Lake Taupo (Damian Coutts) and Bike Taupo (Rowan Sapsford) and aimed to make Taupo to Turangi (T2T) towns a destination for tourist cyclists of all skill levels in the same way the Otago Central Rail Trail has revitalised South Island towns along the route.
Now the Government have announced their continued sponsorship towards tourist bike trails:
Cycle trails funding
As the Government Department involved with sponsoring bike tracks has been under media attack following a whistle blowers leaked report on excessive spending on consultants, (MBIE – Ministry of Business Innovation and Employment) we have tried to detail their latest round of contributions. Without them many would never have started.
In February 2014, $8 million over four years was announced for the Maintaining the Quality of Great Rides Fund. A total of $4.2 million had been approved for 46 projects across 19 Great Rides.
In 2016 the Government invested $837,132 in nine new projects for the upkeep of the New Zealand Cycle Trail. That investment came from the fifth round of the Maintaining the Quality of Great Rides Fund. An evaluation released in October 2016 estimated that the Great Rides had produced $37.4 million in economic benefits in 2015 alone, through revenue from visitor spending.
Meanwhile Turangi is still waiting to develop the T2T Bike Trail around the eastern edge of Lake Taupo… It is worth waiting for as it should easily become the most popular in NZ. It will do more for Turangi than any other single proposal. But Turangi has been neglected again… Taupo Council have failed Turangi – again.
In the same eight years since the original T2T to connect with Tree Trunk Gorge was proposed to Taupo Council, other bike trails have been conceived, developed and are now being extended – i.e. The Timber Trail, The Hauraki Trail, etc.. Meanwhile Turangi waits…
After considering the rapid development and increasing popularity of so many successful tourist mountain bike trails throughout NZ, it is quite surprising that this T2T trail has not already been completed years ago.
At last the good people at Destination Great Lake Taupo – "DGLT" – the Taupo Council's tourism promotion team was lead by Damian Coutts – realised the dream of many. DGLT commissioned a feasibility report on the T2T (Taupo to Turangi) bike trail to sort out the exact route, cost benefits, etc. for Government funding purposes.
According to many in Turangi, it was a nonsense – prepared by Perception Planning Ltd of Taupo (can hardly be described as independent?) planning consultants associated with Bike Taupo, who calculated the costs of the T2T 42 km trail following SH1 at over $18 Million?
Compare the 84 km Timber Trail cost about $6 Million or last southern stage of Waikato River Trail for the same 42 km length cost $3 Million?
No other bike trail in NZ cost anywhere near that? The specification for a 2.5 m wide trail was grossly excessive. No wonder many months later nothing more has been achieved.
Most of the Taupo bike trails were designed and built by keen fit bike club members to create challenging routes where their members wanted to test their biking skills and improve their fitness for endurance events, etc. They are too tough for tourist novices. There is nothing at all wrong with that except the original Government funding (Nga Haerenga) for bike trails was supposed to be directed towards encouraging tourism – particularly aimed at the more remote or marginally economic locations that were missing out on many benefits from the tourism bubble – like Turangi?
Market research on bike trails by Tourism Resource Consultants for Nga Haerenga, (the New Zealand Cycle Trail) found there are approximately four times more domestic bikers than international.
But tourism is the biggest employer and most important industry in this Taupo region. There is strong demand for a longer one-two-three day bike trail more suitable for the broad range of tourists of all ages and abilities, rather than physically testing routes largely restricted to keen fit mountain bikers or bike club members in remote locations, such as Waihaha.
Just consider where some of the bike trails are located? The latest locally is the Timber Trail leading from a popular tourist hot spot to another tourist mecca – Benneydale to Ongarue…
DOC invested more than $5 million on this 80 km multi-day Timber Trail mountain bike ride in a remote wilderness.. Despite those limitations it attracted over 6.500 riders over the past year. Comparatively this T2T proposal following SH 1 should attract ten times as many visitors. Which brings us on to DOC.
Throughout NZ, DOC currently has over 1600 km of tracks for bikers with 19 of the 23 Great Rides developed as part of Nga Haerenga on public conservation land.
DOC is also the manager and primary developer of four of these bike trails including the central North Island Timber Trail, and three in the South Island being Queen Charlotte Trail, St. James Cycle Trail and Otago Central Rail trail.
DOC also opened the Heaphy Trail for seasonal mountain biking last year after a three year trial. The Heaphy Trail is visited by more than 10,000 walkers each year. It has been improved over recent years with over $4 million spent on track upgrades, three hut replacements and other bike friendly facilities such as bike washing stations and widening bridges for bikers.
The daddy of all NZ's bike trails, the Otago Central Rail Trail, has attracted more than 20,000 annual visitors for each of the past seven years with about 40% traveling to Clyde from the North Island. The Otago Central Rail Trail provided the specification for many others to follow. So TRM are surprised that DOC have not been more involved financially, as compared to many of the other tracks, the commercial success of T2T is a no-brainer.
The T2T is a natural fit for DOC as it would link their other bike tracks to tourist destinations such as the TRT (Tongariro River Trail) to their Trout Centre (Trout Farm?) located to the south of Turangi and Huka Falls to the north of Taupo. Even beyond Turangi are DOC tracks between Tree Trunk Gorge and the Pillars of Hercules which could be linked up for a 3-4 day experience to provide another "Great Walk" trail (to take pressure off the over-crowded Tongariro Crossing?) to eventually link with the Waihohonu Track across the Tongariro National Park to Whakapapa.
The feedback from TRM guests indicates the demand from wannabe bikers is for softer 'tourist friendly' trails like the popular TRT (Tongariro River Trail) managed by DOC – suitable for all tourists' fitness and ability levels and ages with a popular feature or theme. Excellent local precedents include the beginner trails along both sides of the Waikato River – the Rotary Ride, Redwoods Track and the Aratiatia Damn Ride and now a trail along the shoreline of beautiful Lake Taupo to top them all. Wonderful news.
For DOC this T2T would become the jewel in the crown. The T2T track construction beyond Waitahanui could commence as early as next Summer. About nine km of the trail is already formed known as Lions Walk, from Taupo via 5 Mile Bay to Waitahanui so it is largely an extension south along the lake edge and following the general route of SH1 through a number of attractive small holiday and retirement settlements such as Hatepe, Motutere, Waitetoko, Te Rangiita, Oruatua, and Motuoapa. This T2T trail will have massive economic benefits to these villages and to Turangi.
The route crosses over several rivers including the Waitahanui, Hinemaiaia, Tauranga-Taupo, Waimarino, Waiotaka Rivers so most of these will require the construction or addition of bike bridges.
Based on other precedents a total budget of about $6 million was envisaged. NZTA (New Zealand Transport Authority) will inevitably also be involved with funding to upgrade the bridges on SH 1 for better pedestrian and bike access. So everyone was astonished at the $ 18 million cost estimate. It simply does not add up…
Last – a recent letter to TRM comparing the A2O (Alps to Ocean trail) in which the correspondent expresses the views of so many others:
Greetings, Ross
Thank you for pushing so hard for the T2T. Difficult to get ahead when some are so heavily blinkered!
I have been a regular visitor to Omarama over many years and have seen first hand how the A2O (Alps to Ocean … Mt Cook to Oamaru) has impacted on tourism and development of support industries.
I could always book our motel room at Omarama a few weeks out but this year, I found that Nov/Dec was the start their cycle season and I could only book their remaining 2 nights and this wasn't weekend peak time!
The numbers of cyclists has dramatically multiplied. 12 of the 15 units had 2 to 3 bikes. 'Straight' as well as multiple 'e' bikes. Many groups of Kiwis plus International visitors. Most had completed the 'Rail Trail' and were looking for new adventures.
The adjacent restaurants benefited from evening and breakfast meals, plus tour support groups providing logistical requirements.
With accommodation being required around every 50kms, hospitality opportunities are being progressively developed. Old cottages and farmhouse upgrades, along with the closed Duntroon hotel being refurbished to cater for high demand.
The A2O trail is not completely 'offroad' but work is continuing to move to this goal.
Its a massive undertaking but through vision, planning and the desire to 'share and benefit' from local resources… these benefits are mounting in so many directions.
As long standing residents of Turangi, we have sadly watched the frustrations of Turangi interest group(s) in promoting tourism / cycling developments.
Sure, there would be some tricky passages on the T2T but the gorge section immediately West of Kurow on the A2O demonstrates what can be successfully achieved.
It will happen eventually! When that time comes… a lot of comment will be centred around… 'why has this taken so long?!'
Thanks and best wishes, Ross. Keep up the good work.
Regards Dave
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Shivers Galore on Shutter Island
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Sermon On the Grave
Archive for the 'Movies&Games Reviews' Category
Posted by root On March - 13 - 2010
Rating: R (for violence and language)
Genre: Drama, Thriller, War
Director: Paul Greengrass
Actors: Matt Damon, Greg Kinnear, Amy Ryan, Yigol Naor, Said Faraj, Khalid Abdalla, Raad Rawi
The 1980s Rambo franchise brought Sylvester Stallone more fame for his portrayal of a Vietnam vet who fights mistreatment at home and rescues POWs in Asia. Film critics criticized the movies, particularly Rambo: First Blood Part II, suggesting that the films represented a fantasy in which America had a chance to refightâ??and this time, winâ??the Vietnam War.
Much of the audience who showed up en masse to see the Rambo movies were too young to remember the truth about America's involvement in Vietnam. Critics feared that core group may have been susceptible to the alternate history presented by Stallone's movies. One main criticism was that the films were too war-happy, too conservative in their vision.
Green Zone, an Iraq War drama that reteams director Paul Greengrass with star Matt Damon, falls into the same trap as Rambo did, but this time from the political left. In the film, a U.S. Army officer tasked with uncovering weapons of mass destruction in Iraq learns that his efforts will never bear fruit because of shady dealings by U.S. officials who falsified intelligence. Angry at this betrayal, he confronts his adversary, rats out the official to a journalist who discovers she's been spun by the same official, and exposes the government's actions before the war escalates.
Set in 2003, the film stars Damon as Chief Warrant Officer Roy Miller, on the ground in Iraq to find weapons of mass destruction (WMD) that, frustratingly, aren't turning up. He quickly concludes that the intelligence on WMD is bad and is not reassured by the insistence from haughty Clark Poundstone (Greg Kinnear) about the accuracy of the intel.
When Wall Street Journal reporter Lawrie Dane (Amy Ryan) befriends Miller, they work together to unearth the identity of a key source on WMD intelligence. CIA agent Martin Brown (Brendan Gleeson), a grizzled skeptic on U.S. Middle East policy, assists Miller in his efforts to counter Poundstone, while Freddy (Khalid Abdalla), an Iraqi, leads Miller to a group of Saddam Hussein loyalists who could form the core of an insurgency within the country.
The film, employing Greengrass' trademark "shaky-cam" visual approach, throws viewers into the street-level dangers Miller and his men encounter as they search for WMD. However, the action is chaotic and not as coherent as some of Greengrass' earlier films with Damon. Moreover, the timing of the film's release is awkward, as it opens the weekend after Iraqi citizens went to the polls to participate in democratic elections that were broadly hailed as a model for the region. Yet the movie leaves room only for scoffing whenever a character suggests that a democratic Iraq might come from U.S. efforts in the country.
More problematic is the entirely predictable storyline. Anyone who followed the debate over intelligence in the run-up to the Iraq War, and in the aftermath of the American occupation, knows the story of Green Zone before it unfolds. It doesn't help that none of the principal characters has more than one dimension. Miller, after a brief early stretch where he clings to the idea that he might turn up WMD, spends the bulk of the film barely containing his righteous fury. Kinnear exudes smarmy arrogance and nothing else. Ryan is a bit better as she slowly discovers that she's been used, but her character isn't in many scenes. Best of all is Abdalla, although his character, like Ryan's, drops out of the film for long stretches, particularly toward the film's finale, when his presence is sorely missed.
Greengrass and Damon teamed for two of the Jason Bourne films (The Bourne Supremacy and The Bourne Ultimatum), to much better effect. Although the third Bourne film revolved around issues that parallel some of the concerns in Green Zone, its main concern was a characterâ??Jason Bourneâ??and not a particular international conflict. Green Zone is about an issueâ??the Iraq Warâ??rather than about its characters, who are less individuals than stand-ins for viewpoints on the war. The good guys and bad guys are never in doubt.
The Iraq War hasn't been a big winner at the box office, but this big-budget star vehicle will put that to the test. Shot by Barry Ackroydâ??who also was the director of photography on Kathyrn Bigelow's The Hurt Lockerâ??the film often looks great, even though the film's rapid editing doesn't allow viewers to linger long on any one shot.
Given that The Hurt Locker, fresh off its Best Picture Oscar victory, is being re-released the same week that Green Zone debuts, audiences have a clear choice: They can see Greengrass' obvious, highly political film that screams, "Bush lied! People died!" or they can watch Bigelow's apolitical depiction of soldiers in the battlefield and the complex toll such a lifestyle can take on a soldier's psyche.
One film is preachy, one subtle. One tells, the other shows.
The better choice is obvious:Â Go with the clear winner.
Language/Profanity: Lord's name taken in vain; lots of foul language, including several uses of the "f" word.
Smoking/Drinking/Drugs: Beer drinking.
Sex/Nudity: None; poolside images of women in bikinis.
Violence/Crime: Gunfire, explosions, bombs and other war violence; sniper fire; man hit with butt of a gun, then slapped; helicopter shot down; abuse of suspects detained on battlefield.
Wolfman scares good reviews
Posted by root On March - 3 - 2010
Rating: R (for bloody horror violence and gore)
Actors: Benecio Del Toro, Anthony Hopkins, Emily Blunt, Hugo Weaving, Geraldine Chaplin
"Never look back," says a character in The Wolfman. "The past is a wilderness of horrors." This messy, ineffective update on a classic horror tale suggests that the filmmakers should have looked back to earlier, better versions of the wolfman story.
Modern-day horror rarely takes itself so seriously. Rather than embrace a sense of atmospheric dread, as the best classic horror movies did, contemporary horror films concentrate on gross-out special effects, shock moments, post-modern irony (think the Scream films), or torture-porn (the Saw franchise).
A reboot of the 1941 Universal horror movie of the same name starring Lon Chaney Jr., Claude Rains, Bela Lugosi and Ralph Bellamy, this version of The Wolfman sounds promising. With Benecio Del Toro in the lead role as Lawrence Talbot, Anthony Hopkins as his father, John, and Emily Blunt as love interest Gwen Conliffe, the film has top-tier talent in front of the camera. Behind the camera, special-effects guru Rick Baker, known for his impressive, Oscar-winning werewolf transformations in An American Werewolf in London, is on board to give the transformations a modern quality that still honors the man-to-wolf transformations of an earlier era.With so much going for it, The Wolfman should offer a moody atmosphere, a few good scares and actors who set the right tone for the material. But it turns out the new film is merely "inspired by" the earlier Wolfmanâ??but doesn't exhibit much inspiration at all.
The Wolfman begins with the appearance of the following text: "Even a man who is pure of heart and says his prayers by night may become a wolf," suggesting a serious exploration of religious themes in conjunction with the story of a lycanthropeâ??a man who changes into a wolf during a full moon. It's 1891 in Blackmoor, England, and the residents don't know how to counter the attacks of a wolfman. Many claim the beast is the devil himself, while others believe they have been cursed. A preacher uses the story of Nebuchadnezzar to suggest the possibility that God has a precedent for turning men into beasts.
The religious explanations suggest a provocative, theological drama at the core of the wolfman's story, but it's all merely dressing for the tale of tortured soul Talbot (Del Toro), who returns to England to investigate the death of his brother at the hands of a wolfman. Also investigating is Scotland Yard's Aberline (Hugo Weaving), but it's a gypsy woman (Geraldine Chaplin) who holds the key to understanding what's happening.
Talbot is estranged from his father, who quotes the Prodigal Son story to his returning offspring more than once, but again, there's nothing more to this biblical reference. The father is slightly deranged and the older brother is dead. Lawrence falls for Gwen, his deceased brother's former love. For no apparent reason, Gwen reciprocates. But then Lawrence is attacked by the wolfman and fears his own transformation at the next full moon.
That's pretty much the gist of the story. The rest consists of increasingly grisly wolfman attacks that include multiple decapitations and flesh-ripping moments, but little in the way of mounting suspense. Were there any genuine chills during the film, The Wolfman would deserve nominal credit for minimal effectiveness, but the film never rises to that baseline expectation. A couple of jump-out-of-your-seat moments are due mainly to loud, sudden sound effects, and never to any spine-tingling sense of dread that effective horror films supply. A man-into-beast transformation sequence set in an asylum comes closest to a memorable moment in The Wolfman, but the film is so lackluster for so long before that moment arrives that it fails to rouse the interest it might have merited had the earlier portion of the film worked betterâ??or at all.
It's no surprise to learn that The Wolfman was a very troubled production. It went through a few directors during its development, with the studio ultimately bringing in Joe Johnston (Honey, I Shrunk the Kids, Jurassic Park III) and expert film editor Walter Murch (Apocalypse Now) to salvage the film.
If this is the salvaged production, it's hard to imagine just how much of a mess the film was before Johnston and Murch put their stamp on it. The Wolfman is more a story of a missed opportunity than it is of a werewolf. It's a bad miss, not even close to effective at any moment during its feature-length running time. That's too bad for those who long for a return to the old-fashioned chills of Universal's classic horror films, or for those hoping for a step back from the shockfests that define modern horror cinema. Those films, while perverse and disgusting, are effective in their own way, providing what their audience wants to see. Why can't today's movie studios deliver, at minimum, a competent update on classic horror tales like The Wolfman?
The complete failure of this latest effort bodes ill for future attempts at recreating old-fashioned thrills and chills at the multiplex.
Language/Profanity: "D-mn"; "holy mother of God."
Smoking/Drinking/Drugs: Cigars are offered.
Sex/Nudity: Dream imagery includes a naked woman shown from behind, with the curve of a breast visible; some kissing.
Violence/Crime: Man slashed in face and stomach; a corpse is shown; a dead woman has a razor in her hand and a pool of blood beneath her; wolfman attacks several men; a man's back is shown, flayed open; wolfman slices fingers off a man's hand, then pierces a man's neck, and his claws are shown coming out of the front of the man's mouth; wolfman tears flesh from a man's neck; limbs are ripped from bodies and tossed aside; attempted suicide; decapitations; Lawrence is struck with the butt of a gun; man treated in an asylum with injections, and by being dunked in ice-cold water and given electro-shock therapy; "kill me," a man pleads, right before he's killed; man is thrown out a window and is impaled on a gate below; two werewolves fight.
Religion: The film opens with the saying, "Even a man who is pure of heart and says his prayers by night may become a wolf"; talk of "deviltry" and speculation that the wolfman is from the devil; a minister preaches on the power of Satan to change people into beasts, and uses Nebuchadnezzar as an example; Lawrence is told that "the darkest hours of hell lie before" him, just before he transforms into a werewolf; a man calls himself cursed and damned, and is said to have been forsaken by God; Lawrence crosses himself, prays, and says there is no help for him; a woman discusses the possibility of the existence of God; gypsy lore factors into the story; prodigal son story is referenced multiple times.
Rating: R (for strong bloody violence, language and brief nudity)
Run Time: 98 min.
Director: Michael Spierig and Peter Spierig
Actors: Ethan Hawke, Willem Dafoe, Sam Neill, Michael Dorman, Isabel Lucas
No? You're tired of the Twilight hype, right? Enough with True Blood! Somebody needs to put a stake through the popularity of the genre and soon. Are you with me?
Hold on to those bloodthirsty notions for a moment. Turns out that a little thoughtfulness goes a long way. Daybreakers takes the genre in some new and interesting directions, but it can't memorably resolve its story. With strong atmosphere and respectable performances from familiar actors, it has the ability to jolt viewers with a few shocking moments that will satisfy people looking for some gore to go with the more thoughtful aspects of the story. But the filmmakers' attempts to cater to the basest impulses of today's horror-movie audiences ultimately work against the movie.
Edward Dalton (Ethan Hawke) lives in a world overtaken by vampires. A montage of news headlines during the film's opening moments tell the story. Ten years earlier, a single bat caused an outbreak that led to vampires taking over the populace. Humans were given a chance to join the vampires. Those that resisted became enemies of the state. Posters of Uncle Sam no longer shout, "I want you!" but "Capture humans!" That's because the supply of human blood that vampires need to sustain themselves is drying up, and their increasing desperation for the fluid effects even such things as their "coffee," which is now only 20% real blood, rather than 100%. It's making the vampires angry. They need their fix.
Dalton is a vampire, but he won't touch human blood. He's employed by a firm working on a blood substitute, but the company's experimental efforts keep going spectacularly, fatally awry. Complicating these efforts is the head of Dalton's company, Charles Bromley (Sam Neill), who may not be as altruistic as Dalton. After all, what profit is there in altruism?
When Dalton encounters Audrey (Claudia Karvan) and Lionel (Willem Dafoe), they pursue a solution to save humanity. All they need is the cooperation of trustworthy vampires like Edward to perfect their proposed remedy.
The story isn't groundbreaking, but it plays surprisingly well, at least during its first half, when the film's neo-noir atmosphere is reminiscent of great sci-fi films like Blade Runner. Daybreakers' story also can be read as a metaphor for the risks of depleting the world's resources. The film looks stylish, and Hawke brings a brooding thoughtfulness to the role of Dalton. That's the good news.
The rest is standard stuff. Neill gives a boiler-plate performance as a sketchy businessman more interested in profits than in people's welfare. The second half of the film includes action-movie chases and the obligatory set-up for a sequel. The best thing about the latter part is Willem Dafoe's hammy performance as Lionel, who knows the secret to saving humanity. He keeps things more interestingâ??and even funâ??than they might otherwise have been with a lesser actor in the role.
Daybreakers isn't, in the end, a particularly good film. Its original ideas are overcome and outweighed by genre clichés. But it does take a fresh approach to the genre, and provides a more cerebral experience than might be expected. Maybe another filmmaker will take the ball that Daybreakers dropped and run with it.
Language/Profanity: "go–amn" and other misuses of God's name; "s-it"; the "f" word, including "motherfu–er"; "b-tch"; "s-it."
Smoking/Drinking/Drugs: Pervasive smoking.
Sex/Nudity: Nude humans are shown hooked to extraction devices, with nether regions obscured but chests exposed; a crude comparison to inexpensive prostitutes.
Violence/Crime: The police use a shock device to subdue unruly vampires; naked humans are hooked to devices that extract their blood; humans blood is shown several times; a man vomits green fluid and the skin on his face bubbles; a man explodes, spraying blood and innards everywhere; a car accident; bow hunting and shooting of humans; vampires attack, bite necks and drink blood, as well as lick blood off surfaces; a man slices a vampire open and decapitates him; lots of guns and shooting; a vampire is impaled; explosions; a vampire is ejected from a car, body aflame; a woman cuts her wrist and bleeds into a cup; needles and syringes shown; a person is struck with the butt of a gun; Edward catches fire several times; armed troops attack; a female vampire drinks blood from her own wrist; dead bodies in a cabin are shown; vampires pulled by a vehicle in the light, which causes them to burst into flame; a man's head is yanked off his body, which is ripped apart.
Religion: Immortality is said to have solved the problem of fatal illnesses; immortality on earth is a relief for those who fear facing death.
Suicide: A young girl greets the dawn, realizing that the sun's rays will kill her.
How Christian is the New Denzel Washington Movie 'The Book of Eli?'
Rating: R (for some brutal violence and language)
Director: Albert and Allen Hughes
Actors: Denzel Washington, Mila Kunis, Gary Oldman, Jennifer Beals.
"The days are coming," declares the Sovereign Lord, "when I will send a famine through the land– not a famine of food or a thirst for water, but a famine of hearing the words of the Lord. "â??Amos 8:11
"At any time, and most in a time of trouble, a famine of the word of God is the heaviest judgment. â?¦ The most amiable and zealous would perish, for want of the water of life, which Christ only can bestow."â??From Matthew Henry's Concise Commentary on Amos 8
End-of-the-world scenarios are all the rage at the movies. Last year, the mindless popcorn flick 2012 was a big hit, while an adaptation of Cormac McCarthy's The Road, a father-son survival tale set among cannibals and killers after an unspecified catastrophe, failed to find a sizable audience.
The Book of Eli continues the string of apocalyptic tales. It has style, it has action, but it also has something that sets it apart from even the best mindless action films. It has a point: The Word of God can be used for both good or ill, but a world without the Word is a hopeless place.
The film gives audiences a bit more to chew on than the standard action blockbuster. It suggests that a ruined civilization can be rebuilt one of two ways: under the thumb of a power-hungry tyrant who preaches his own distorted version of Scripture, or by getting the Word of God into the hands of others.
Eli (Denzel Washington) is a wandering man on a mission. Following a cataclysmic event decades ago that led to mass Bible-burningâ??the details behind the actions are left vague, but we're told that some survivors blamed religionâ??a voice directed Eli to one of the last remaining copies of the King James Version of the Bible. The voice told him to go West, and 30 years later, he's still on his journey.
Shoes are a necessityâ??Eli removes the shoes from a corpse early in the filmâ??but so is food. He survives by bow hunting, and any kind of meat will do (a hairless cat is Eli's first victim in the film).
Eli also has divine help. The voice that spoke to him years earlier promised to protect him, and one way that protection manifests itself is through Eli's deadly accuracy with a sword. His first encounter with a gang of cannibalistic thugs is no contest: Eli cuts off one man's hand at the wrist, then kills the rest of the man's gang in quick succession.
It's one of many grisly scenes of killing in this violent, "R"-rated film. Christian viewers may see the violence, always in self-defense, as justified given the film's grim survival scenario, but directors Albert and Allen Hughes, known for violent films like Dead Presidents, From Hell, give the scenes an aggressive style designed to satisfy viewers' bloodlust.
Eli's nemesis is Carnegie (Gary Oldman), the leader of a dusty town who reads any book his men can acquire for him. But there's one book he wants most of allâ??a Bible. He remembers the days before the event that ended civilization as we know it, and the book's power over those who believe in its message. He wants to build his town, then expand his empire by preaching his own version of what the book contains. The distorted message won't matter to the illiterate populace, who won't be able to challenge Carnegie's deliberate misinterpretation of Scripture.
The Book of Eli boils down to a confrontation between these two menâ??one of whom wants the Bible for his own purposes, and one who wants it to complete a divine mission. There's a woman, Solara (Mila Kunis), who comes to believe in Eli's mission, and another (played by Jennifer Beals) whose allegiance to Carnegie is challenged by Eli's arrival. But their characters aren't well developed.
The film's view of revelation may upset some Christians and hearten others, depending on their views of extra-Biblical revelation. While the Bible is still available, it is no longer widely available. Eli knows his Bible; he reads it every day. But his mission isn't laid out in Scripture. It comes to him directly, through a voice that only he can hear. Without the voice, Eli never would have found the book. He never questions the mission he's been given, although it's not clear until late in the film why he's been told to do what he does. He walks by faith, not by sight, and his faith is ultimately rewarded.
The Hughes brothers' film isn't perfect even by action-movie standards. It has a few long lulls, and its female characters are largely inconsequential. What elevates the film from the mediocrity is a twist ending that is genuinely surprising, and the Bible's centrality to the film's message of hope and redemption for mankind.
The Book of Eli isn't a particularly adult film, but it's also not for kids. It's rough going in spots, with brutal killings and suggestions of sexual violence. Despite those harsher elements, the film is edifying in showing God's divine powerâ??through protection of those He loves, but also through the preservation and propagation of his revelation. It's a Hollywood blockbuster that builds up, rather than tears down. Let's hope it's the start of a trend.
Language/Profanity: Lord's name taken in vain; several obscenities, including the "f" word, the "s" word, "go–ammit."
Smoking/Drinking/Drugs: Drinking in a bar setting.
Sex/Nudity: None, but Eli wipes down his upper body and reaches down into his pants; a woman shows off her cleavage and tries to lure a man into a trap.
Violence/Crime: A gun is shown next to a corpse; a cat is shot and killed by an arrow; human skulls; a body shown hanging from a rope; Eli cuts off a man's hand with a sword, then kills several other men who attack him; Eli delivers a death blow to a wounded man; people are shot and killed; a woman is thrown down and assaulted; cannibalism is mentioned; Eli throws a man's head against a bar, causing him to bleed; men are shot through the groin area and upper body with arrows; a bird is shot out of the sky with an arrow; Eli and Solara fall through a trap door; an extended gunfight between Eli's friends and Carnegie's men; grenade explosions; a man is shot in the gut at point-blank range.
Religion: A man is told that he'll be held to account for the things he's done; a reference to the Fall and to God's curse in Genesis 3, just before Eli kills several people; Eli says grace with Solara, and later she says grace with her mother and Carnegie; Eli says he grew up with the Bible and knows its power; Carnegie wants to use the Bible as a weapon, a way to keep people under his sway; Eli is said to be "protected somehow; Eli says he reads the Bible every day, and he recites Psalm 23; Eli says a voice led him to find the Bible, to take it to the West, and that he'd be protected; Eli says God is good all the time; the message of Scripture is said to boil down to doing more for others than you do for yourself.


text:
@interface MODMapCommand : MODCommand

@end

redpajama_set_name: RedPajamaGithub


every now and then I will have this problem, when I hit render I can clearly see the image is being rendered. But at the end when it finishes, the render window just become black, and there is a pink warning line next to the script editor says selected region is too small.
Has anyone else have encountered this problem?
should also mention that, I can also solve the problem by messing around the render settings changing preview to production or production to preview. Basically set it back to default. But I never know why, it's been hindering me everytime when I try to set up my own render settings.
Finally found why is that, in mental ray, contour render section. There is an option called hide source, basically when you render toon line for your model you turn it on so it only render the outline of the model. After having played around my render, I sometimes forgot to tick it off. This hide source option also can not be overridden by the render layer.
Thanks for your share, onix !


Some of the Bikita villagers receiving aid. Pic by Tafadzwa Mapesa.
BIKITA – Some 44 000 villagers from 12 wards in Bikita are receiving aid from the United Nations World Food Programme to cushion them against food shortages that have hit the district.
The villagers are getting US$8 in cash and 750g vegetable oil every month.
WFP Zimbabwe spokesperson Ashley Baxstrom confirmed the programme to The Mirror.
The beneficiaries are identified following a process involving the District Administrator (DA)'s office and key stakeholders at village and ward level.
"District targeting is informed by findings of the Zimbabwe Vulnerable Assessment Committee (ZimVAC) Annual Rural Livelihood Assessment.
"At district level, WFP coordinated its activities with District Drought Relief Committees, which were chaired by DAs' and included all key humanitarian stakeholders, to inform ward prioritization, at community level," said Baxstrom.
The program also includes training on conservation agriculture, post-harvest handling and management, crop and animal disease control, nutrition, participatory health and hygiene, gender amongst others.
Acting DA, Innocent Matingwina said about 12 wards are receiving the aid.
"I am happy with this programme which is helping people with drought relief. Twelve wards here in Bikita are receiving the aid, we would like to thank WFP for recognising us," said Matingwina.
Support in Bikita has scaled from approximately 18,000 people in October to over 44,200 in January. Bikita will receive the aid for seven months depending on the level of food insecurity for each district.
As of January WFP is providing Lean Season Assistance in 24 of the most food-insecure districts including Bikita, Binga, Kariba, Tsholotsho, Umguza, Mangwe, Nkayi, Bulilima, Beitbridge, Umzingwane, Buhera, Chiredzi, Mwenezi, Masvingo, Zvishavane, Mutare, Gutu, Rushinga, Mudzi, Mbire, Muzarabani, Bindura, Mutoko, Nyanga.


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AKJ Crypto Issues 4.0% Annualized Distribution To Token Investors
By PR Newswire On May 13, 2021
VALETTA, Malta, May 13, 2021 /PRNewswire/ — AKJ Crypto plc ("AKJC"), the leading provider of trading and infrastructure solutions for fund managers trading in digital assets, today announced the distribution of its Q1 "Shareout" to investors in AKJ Token.
AKJ Token is one of the few tokens within the crypto universe that already generates sufficient production to pay a Shareout, or ecosystem distribution, and generate yield for token investors. Token investors in the ecosystem are qualified to receive 25% of net revenues generated across several lines of business, including fund infrastructure, trading, and capital allocation. Capital allocation occurs through the AKJ Digital Assets FoF, an affiliated crypto hedge fund of funds. The AKJC Board approved a Q1 Shareout, based on performance in calendar year 2020, representing a 1.0% return on invested capital, or 4.0% on an annualized basis. Payment is distributed to investors as Ether.
In discussing the distribution, Neal Mitra, CEO of AKJ Crypto plc, said: "Our first Shareout last year closed the loop on our business model, establishing a fully functional crypto ecosystem that delivers tangible returns back to our investors. The new Shareout, which more than doubles the last one when annualized, is a direct reflection of the rapid expansion of our operating platform. It shows the benefit that investors can expect to see with the token's intrinsic value, as well as the potential for returns. With the future growth that we have already contracted and are now onboarding, the path ahead is incredibly exciting."
The AKJ Crypto platform offers institution-grade turnkey solutions for crypto hedge fund managers. Services are provided directly and in coordination with other ecosystem entities, and include regulatory compliance, licensing, trading, settlement, storage and provider partnerships. It provides access to a fund of funds investing with top fund managers, including a seed capital program for select managers on the platform. Investors in AKJ Token gain risk-mitigated, diversified exposure into the digital asset sector, through both revenue growth on the platform as well as capital appreciation in the fund of funds. AKJ Token is a transferable security sold under EU law to professional investors.
About AKJ Crypto plc and AKJt Holdings Limited
AKJ Crypto plc, a subsidiary of AKJt Holdings Limited, provides a full-service platform for crypto hedge fund managers and diversified participation for institutional investors, through the AKJ Token, in the cryptoeconomy.
AKJt Holdings Limited (AKJt) is a fintech holding company that is focused on trading, administrative, digitization and other advanced solutions for hedge fund managers. AKJt is owned by shareholders who collectively have over US$18 billion in assets under management. The group and its associated entities serve hedge fund and institutional clients in 35 countries around the world.
For more information about AKJ Crypto visit: https://www.akjtoken.com
UP Fintech Holding Limited to be Added to the MSCI China All Shares Index
Autoliv Announces Results of 2021 Annual Stockholders Meeting
Pair of Kenyans take Home Life Time Miami Marathon Titles


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Obama Arrives in Tanzania with Trade in Mind
US President Barack Obama (L) dances to music alongside Tanzanian President Jakaya Kikwete upon arrival on Air Force One at Julius Nyerere International Airport in Dar Es Salaam, Tanzania, July 1, 2013.
DAR ES SALAAM, TANZANIA — U.S. President Barack Obama has arrived in Dar es Salaam, Tanzania, the last stop on his three-nation tour of Africa. Mr. Obama will hold talks with his Tanzanian counterpart Jakaya Kikwete, and will continue his push to improve business ties with Africa's booming economies.
"Obamamania" - that's the headline of Tanzania's Citizen newspaper Monday as the country welcomes the arrival of the U.S. president.
Obama's portrait decorates the lampposts throughout the city, along with the Swahili greeting "Karibu Tanzania."
Residents of the city lined the streets coming from the airport to catch a glimpse of the presidential motorcade.
Boniface Deogratius, a student at Dar es Salaam Institute of Technology, has high hopes for Obama's visit.
"We are just preparing ourselves to welcome him and even to share things together with the people from the United States, economically, socially, so we can move forward for the country," he said.
Tanzania is among the biggest recipients of U.S. foreign assistance, much of it from a $700 million compact for infrastructure development from the Millennium Challenge Corporation.
But the U.S. president is hoping to increase private investment in the country. Tanzania's economy is growing at a 7 percent annual rate, and hopes to benefit from recent natural gas discoveries off the coast.
Obama is holding a roundtable discussion with African and American business leaders, as he continues to lobby for increased trade with African countries.
U.S. investment in Africa is falling behind China, which says trade with the continent reached nearly $200 billion last year.
Chinese companies have a substantial presence in Tanzania, holding contracts for road construction and projects to improve the port of Dar es Salaam.
Watch President Obama's Joint Press Conference with Tanzanian President
JOIN THE LIVE CHAT
VISIT WHITEHOUSE.GOV
Obama's trip to Tanzania comes four months after Chinese President Xi Jinping visited the country, soon after being elected.
Amedeus Shayo, who is among those waiting to see the presidential motorcade, says he thinks competition with China was a major factor in Obama's decision to visit.
"China has overtaken the United States in Africa. Honestly saying, I've been reading all the news, I've seen all the investments that are happening here, it's just because China has taken this country," says Shayo.
Obama traveled to Tanzania from South Africa, where, in a major speech in Cape Town, he announced the United States will contribute $7 billion to a new initiative called Power Africa, which the president said seeks to double access to power in sub-Saharan Africa.
Tanzania is one of the countries targeted by the program. Obama is expected to speak more about the initiative on Tuesday, during a scheduled visit to Tanzania's Ubungo power plant on the last day of his Africa tour.
Obama Ends Africa Trip
U.S. President Barack Obama ended his Africa trip July 2, voicing confidence in Africa's future with help from a new U.S. model for development assistance.
ཌི་ཝེ་ཌར་ལ་སྤེལ།


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| MEN'S TENNIS: Yale salvages 1–1 weekend
Won Jung
MEN'S TENNIS: Yale salvages 1–1 weekend
Won Jung 1:30 am, Apr 18, 2017
Yale Athletics
On a blistering, 80-degree Sunday afternoon, the temperature was not the only thing heating up on Yale's outdoor tennis courts. A matinee matchup between the Bulldogs and Quakers caused tempers to flare as questionable calls clouded the pristine weather.
After a relatively routine 2–1 doubles-point triumph for the Elis (16–7, 2–3 Ivy), audible disapproval of lines calls in half of the day's six singles bouts set the stage for a chaotic finish. The day before, Yale relinquished a 3–1 lead to Princeton (12–11, 2–2), as the Tigers came storming back to claim a 4–3 victory after winning the final three singles matches. But on Easter Sunday, Yale avoided a similar fate after going up 3–0. The Bulldogs dropped a match at No. 2 singles but were able to avoid another lost lead when Ryan Cheng '20 won a second-set tiebreaker over Penn (14–9, 1–3) to carry the team to victory in his return to competitive play.
"I was not only very happy with the way we played, but what I was most impressed [with] was how well [our players] rebounded from [Saturday's] loss, which was a heartbreaker," head coach Alex Dorato said.
The weekend started on a melancholy note as Yale suffered its third consecutive conference loss to the Tigers. Buoyed by an impressive doubles lineup, the team from New Jersey captured the doubles point in dominating fashion.
Princeton rolled out the No. 31 doubles team in the country at its top slot to face off against the Elis' Fedor Andrienko '18 and Alex Hagermoser '17, who had previously gone 2–1 in Ivy League play. Although the veteran Bulldog pair put together a decent showing, the duo dropped its serve once against an unforgiving team and could never mount a comeback. The 6–3 win for the Tigers' tandem strengthened its claim as the top pair in the Ancient Eight.
At second doubles, captain Tyler Lu '17 and Photos Photiades '17 were simply outplayed in an uncharacteristically one-sided bagel set. With these wins, Princeton, thought to be of top-three caliber in the conference, looked to be on its way to winning its first Ancient Eight match of the season.
However, the Elis did not go away quietly. When singles play began, Yale ambushed the Tigers with a barrage of spectacular play from its top three singles players. Lu, Dylan King '20 and Ziqi Wang '18 cruised to straight set victories to put Yale in the driver's seat. Furthermore, a first set win for Stefan Doehler '18 at No. 4 singles gave the Bulldogs reason to be hopeful.
But just as swift as its path to a 3–1 lead was Yale's downfall to defeat on Saturday. Doehler was eventually bested in three sets, and his teammates at the bottom two spots in the singles ladder dropped similarly close affairs. For the third match in a row, the Bulldogs lost to a team that they considered beatable.
With their momentum carrying them the wrong way, the Elis stumbled into their Senior Day matchup against Penn. The Bulldogs came out motivated to put the previous day's collapse in the rearview mirror. In doubles play, the return of Cheng, who had been out for about a month with an injury to his dominant left wrist, gave the entire team a boost of energy. The freshman from California teamed up with fellow West Coast-native King to win convincingly at No. 2 doubles.
The pair, which had seen success earlier in the season, used a varied arsenal of formations in a 6–3 win. The two tried out two-back formations when returning first serves as well as an Australian doubles formation behind King's big serve. These different looks overwhelmed the opposing Quakers in a rare all-lefty doubles match and spurred the Elis to a doubles-point victory.
At the top position, Andrienko and Hagermoser returned to their winning ways with a clinical 6–3 dismantling of Penn's top doubles team. Although Lu and Photiades dropped their second match of the weekend at No. 3 doubles, Yale topped its opponent 2–1 and headed into singles play with a lead.
"We just took care of our games, and that put a lot of pressure on them," Hagermoser said. "We had [a lot] of break points, and so it was just a matter of time before we got one … We just played well, executed the fundamentals, and it went well for us."
Again, strong play at the top of the singles ladder put the Elis one win away from victory as King dropped just one game in a quick two sets at No. 3 singles. Lu added to the freshman's impressive display by taking the first set from Kyle Mautner, who beat him in their most recent matchup over a year ago. Mautner could not continue on to a second set with an injury to his dominant pinky that hindered him from effectively holding his racquet, and Lu was awarded another win at No. 1 singles.
Having reached three points for the second match in a row, the Elis were determined to walk off their home courts for the last time this season with a win. But controversy on the lower three singles courts delayed their victory. Whereas the top three singles matches had three referees, only one referee covered the bottom three matches.
As a result, there were several contested calls that created an intense atmosphere for the end of the match. The Elis seemed to be in control as Cheng accumulated a set and a break lead in his No. 6 singles match, but the rookie, rusty from a long hiatus from competitive play, struggled to close out his match and was pushed to a tiebreaker.
To add even more drama, Wang dropped his match at No. 2 singles by a score of 6–1, 6–4 after several encounters with his referee, and the other two singles matches were far from decided. Unburdened by the pressure on his match, Cheng was able to win a 7–4 tiebreaker and give the Elis a long-awaited victory.
"I think it was a lot more of a positive cerebral day [Sunday] than it was [Saturday]," assistant coach Christian Appleman said. "Even though the conditions were tough, I thought we battled through it, and we were mentally solid. At this point in the season that's what you want to see."
The Elis now boast a 2–3 conference record, good for a tie for fifth place in the Ivy League, with two matches remaining on their schedule.


Bruschetta, the iconic Italian antipasto. Classical bruschetta is just garlic and olive oil-rubbed bread, but this tomato one is the one we typically expect in restaurants.
This recipe is an easy way to mass produce it, and one that I often made during my college days.
1. Toast your slices of baguette in the oven (or in toaster).
5. Combine Garlic, Tomatoes, Balsamic Vinegar, Olive Oil, (optional shallots), and gently mix. Salt and Pepper to taste.


Texas, the real Texas, believes in its schools.
It cares about its teachers and believes in its students. Texas is the millions of hard-working, middle-class parents who want help raising their kids to happy, healthy adulthood with the opportunity that all Texans deserve.
It's the compassionate teachers who serve our state by loving our kids, and who care deeply about helping them grow, learn and succeed.


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Do you love music and people? Then this is the teaching opportunity for YOU!
We have been sharing our love of music for many years with teachers and students in the Cincinnati metro area.
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Not everyone wants to retire early and for some individuals an early retirement may pose certain economic challenges. For these situations a hybrid retirement strategy may be a better solution. A hybrid retirement strategy involves either postponing retirement for a few years or working part time to allow their assets to grow and increase their lifetime Social Security benefits.
A 2006 study by the Urban Institute published an article titled Working for a Good Retirement which found that there are great economic benefits to retiring at certain ages over others.
Workers could increase their annual income by an average of 5 percent from age 50 onward for one additional year of work and 25 percent for five additional years of work. The additional net wealth from one more year of work, if annuitized at retirement, could increase consumption by 9 percent per year. Five additional years of work could increase annual consumption at retirement by 56 percent per year.
When people work longer, they earn more income, usually save some of that income, allow existing assets to grow, increase their lifetime Social Security benefits, and increase their annual Social Security benefit even more when their lifetime benefits are withdrawn over a shorter period of time. Butrica et al. (2004) estimate that people could increase their annual consumption at older ages by more than 25 percent by simply retiring at age 67 instead of age 62.
The authors also find that older individuals could substantially increase their financial resources in retirement by working longer. For example, the representative worker could nearly double his real annual income at age 75, net of health insurance premiums and federal taxes, by stopping work at age 65 instead of age 55. By waiting until age 68 to retire, he would accumulate enough wealth (from pensions, Social Security, and saved earnings) to finance an annual consumption stream at older ages of $60,000 per year, nearly three times as much as he could finance if he retired at age 55.
Butrica BA, Smith KE, Steuerle CE. Working for a Good Retirement. SSRN Electronic Journal. May 2006. doi:10.2139/ssrn.920832.