Fig. 1: Source: Wikimedia Commons. - An LGM-30 Minuteman III missile (ICBM) soars in the air after a test launch.
The Cold War marked a unique change in how global warfare was carried out. Nuclear warheads was the game changer that made super powers like the United States and Russia think twice about plunging into all out war because of the shear destructive power of nuclear bombs including ICBMs (intercontinental ballistic missiles). Since the invention of the ICBM, countries with nuclear warheads have offensive capabilities far greater than their defensive capabilities. In an attempt to improve defense capabilities against nuclear attack, various national missile defense programs were developed. This article will briefly discuss the United States programs and measures to guard against incoming nuclear missiles.
Initially nuclear bombs dropped from aircraft were the most likely major threat. To answer this, the army initiated Project Nike, designed to develop missiles that would intercept incoming enemy aircraft. The system was eventually extrapolated to be used on incoming nuclear missiles. The latest model, the Nike-Zeus could reach speeds up to 8,000 mph but suffered from several technical flaws, that were believed to be uneconomical to overcome.  Because Nike-Zeus missiles were ground based, the intercept point with ICMBs was almost guaranteed to be close to or over American soil albeit at extremely high altitudes.
Thus the goal changed to space or satellite based missile defense systems. This new phase was called Project Defender. This began in 1958 as a top-secret high profile venture that employed many of the nation's best scientists. One idea called Bambi, Ballistic Missile Boost Intercepts was to destroy Soviet ICBMs in the boost phase where the missiles were rising into space. The project was eventually envisioned to have space-based battle stations that launched rockets with 60-food rotating wire nets containing destructive steel pellets. Such an idea was actually tested on the Atlas and Titan missiles.  Although these tests were successful, there was no solution to attacks on the orbiting battle stations and was eventually canceled in 1968.
The Safeguard Program was a scaled down version of the Sentinel Program, that focus on specific areas of the United States. Most notably, major cities and missile silos where given the higher priority.
Creating a defense network has not only been a technological challenge, more importantly it has been a political challenge. It seems as though every step taken toward defense systems strains international relations.
© Paul Theodosis. The author grants permission to copy, distribute and display this work in unaltered form, with attribution to the author, for noncommercial purposes only. All other rights, including commercial rights, are reserved to the author.
 "Nike Zeus - Seventeen Years of Growth," Flight International, 2 Aug 62.
 W. J. Broad, "'Star Wars' Traced to Eisenhower Era," New York Times, 28 Oct 86.
 B. Heurlin and S. Rynning, Missile Defence: International, Regional and National Implications (Routledge, 2005).
 New Missile Defences in Europe: Shooting Down a Plan, The Economist, 24 Sep 09.


Overview - Crown Capital Partners Inc.
Crown (TSX: CRWN) is a specialty finance company focused on providing capital to successful mid-market companies (annual revenue $50 million -$500 million). Crown also manages capital pools, including some in which Crown has a direct ownership interest.
Crown originates, structures and provides tailored financing solutions to a diversified group of private and public mid-market companies in the form of loans, royalties and other structures with minimal or no ownership dilution.


text:
Appalachian Hope: Coal isn't going to bounce back in West Virginia, but tourism and recreation can replace it
The small cities of West Virginia are, many of them, quite picturesque. They're dotted along rivers, among small farms and nestled around mountains. It's easy to imagine them as boutique little enclaves. But their reality, as we know, is different.
West Virginia has long been among America's poorest states, dominated by a coal industry that never brought true prosperity. Now coal use is declining, as are the state's municipalities. The statewide poverty rate is increasing.
For example, McDowell County is part of southern West Virginia, or coal country. Since 1950, its population has dropped from 98,000 to 18,000; per capita income is $14,000 a year; and life expectancy is similar to that of developing African countries, thanks largely to the opioid and meth epidemic. The county is plagued by abandoned buildings and visible signs of poverty, such as "coal camps" full of ramshackle trailers.
The area itself is beautiful. McDowell's main route—Coal Heritage Road—winds along the Tug Fork River, through a hollow within one of the most mountainous stretches of Appalachia. The gritty little towns have plenty of character. Yet there's practically no ecosystem of niche businesses to attract tourists or affluent residents. The Hatfield-McCoy trails, which include a moonshine distillery, are the closest thing I saw to an attraction on a recent 65-mile drive along the route.
This is a wasted opportunity. In other mountainous parts of America, such as Colorado, Oregon and Virginia, there are plenty of towns that utilize their natural beauty to become destinations. They have ski resorts, golf courses, regional food and beverage hubs, and lively old downtowns. West Virginia could have all this—and even more, due to its rural culture—with commercialized camping, whitewater rafting, ATV tours, and hunting and fishing.
A few places in West Virginia already do, such as Greenbrier County, which also sits in the state's impoverished southern part. Its largest employer is The Greenbrier, a historic country club and resort that hosts a PGA golf tournament. Several miles away is Lewisburg, once called America's "coolest small town." It's a 3,900-person community centered around a charming town center. Elsewhere in the county are campgrounds for nature tours, a bluegrass festival, and charming bed and breakfasts.
Greenbrier County does not have a dominant industry or a university. It simply has fun things to do, so people visit. This has bolstered its economy, giving it the second-highest median household income in the 13-county southern West Virginia region.
So how can McDowell be like Greenbrier?
One idea would be to stop thinking of itself as a coal hub. A recent documentary showed that the overwhelming political dialogue in the county is about bringing back coal. But that industry has declined for decades—even more recently, thanks to natural gas. Its decline has hammered coal country. McDowell has an 8.6 percent unemployment rate.
The county needs to explore its real advantages. These can begin with government and business coalitions rebranding the area, changing its regulations and incentives to encourage tourism and other new economy sectors.
But it also must happen through individual entrepreneurs opening new enterprises and other businesses that leverage McDowell's natural beauty. That way, outsiders will want to see a county—and a region of West Virginia—that deserves to be seen.
Photo of Tug Fork River courtesy of Great American Wildlife.
This article by Scott Beyer originally appeared in GOVERNING.
Reprinted with permission from Governing / e.Republic.

redpajama_set_name: RedPajamaCommonCrawl


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text:
European Defence Fund 2021 Calls for Proposals - Results
Play news ticker
Discover the EDF!
EDF Info Days 2022
The Slides and Video Streaming from the Information Day (30 June) are now available!
If you registered for the event you can continue matchmaking and networking on the dedicated B2match platform until end of October!
Publications - Presentations (Eurosatory - June 2022)
Δημοσιεύσεις γενικού χαρακτήρα14 Ιούνιος 2022
EUROSATORY2022 - EDF general presentation
Τηλεφόρτωση
EUROSATORY 2022 - Air & Ground Combat
Factsheet - European Defence Fund
About EDF
Complementing and amplifying Member States' efforts, the Fund promotes cooperation among companies and research actors of all sizes and geographic origin in the Union, in research and development of state-of-the-art and interoperable defence technology and equipment. The Fund supports competitive and collaborative projects throughout the entire cycle of research and development for a bigger impact on the European defence capability and industrial landscape.
It strongly encourages participation of small and medium-sized enterprises (SMEs) in collaborative projects and fosters breakthrough innovative solutions.
The EDF was preceded by two test programmes with limited duration and budget – the Preparatory Action on Defence Research (PADR) and the European Industrial Development Programme (EDIDP).
Discover the EDF by watching the video (EN/DE/FR)
EDF Budget
A budget of close to €8 billion for 2021-2027 is dedicated to the European Defence Fund. €2.7 billion to fund collaborative defence research and €5.3 billion euros to fund collaborative capability development projects complementing national contributions.
Annual work programmes
The EDF is implemented through annual work programmes structured along 17 thematic and horizontal categories of actions, which have been shaped to remain stable during the Multiannual Financial Framework 2021-2027.
EDF Work Programme 2022 - Calls Information, Multiannual perspective, Factsheet, Official Documents
Calls Information
With a total budget of about €924 million, the 2022 EDF calls for proposals, covering 33 topics, are expected to be published on the European Commission Funding & Tenders opportunities website by 9 June 2022. In the meantime, a description of the topics that will be addressed in these calls can be found below documentation.
European Union, 2022
Factsheet on EDF Calls 2022
Documents of the Work Programme
Δημοσιεύσεις γενικού χαρακτήρα25 Μάιος 2022
EDF Indicative multiannual perspective
EDF work programme 2022 part 2
Call topics description
Δημοσιεύσεις γενικού χαρακτήρα7 Ιούνιος 2022
EDF Work Programme 2021 - Calls Information, Factsheet, Official Documents
With a total budget of €1.2 billion, the 2021 EDF calls for proposals were published on 30 June 2021. The deadline for submission of proposals was 9 December 2021. The Commission, assisted by independent experts, is currently evaluating the submitted proposals in view of signing the grant agreements by the end of 2022.
EDF Guide for Applicants: Read about the EDF 2021 calls documentation, submission forms and guidance.
Δημοσιεύσεις γενικού χαρακτήρα15 Μάρτιος 2022
COMMISSION IMPLEMENTING DECISION of 30.6.2021 on the financing of the European Defence Fund established by Regulation (EU) No 2021/697 of the European Parliament and the Council and the adoption of the work programme for 2021
COMMISSION IMPLEMENTING DECISION of 30.6.2021 on the financing of the European Defence Fund and the adoption of the work programme for 2022 - Part I
COMMISSION IMPLEMENTING DECISION of 4.10.2022 amending Commission Implementing Decision C(2021) 4910 on the adoption of the work programme for 2021 and Commission Implementing Decision C(2021) 4897 on the adoption of the work programme for 2022 - Part I
Multiannual Perspective
In view of easing coordination between stakeholders, readiness and predictability over the years, an indicative EDF multiannual perspective has been released. It gives an overview of the main expected outcomes per category of actions for the period 2021-2027. This multiannual perspective may be subject to annual updates.
The indicative multiannual perspective is available in the EDF Work Programme 2022 set of documents (see above)
Calls for proposals will be launched on an annual basis following the adoption of the corresponding annual work programme.
Funding, rules and implementation
Under the EDF, the EU is providing financial support, mainly through grants, to collaborative R&D projects in the field of defence. The EDF can support 100 % of the total eligible costs of a research action, while the EDF support to a development action may vary between 20% and 100% of its total eligible costs depending on the activities covered (e.g. design, prototyping, testing, qualification, certification) and on a bonus system (involvement of SMEs and mid-caps and link with a PESCO project).
Incentives (SMEs, mid-caps, PESCO):
With an aim to achieve the EDF goals and promote cooperation in the defence domain, special incentives have been introduced in the EDF Regulation.
Some of these incentives favour the involvement of (cross-border) SMEs and mid-caps in the projects: their qualitative and quantitative participation is assessed as part of the award criteria and an increased funding rate (bonus) is offered if the costs allocated to SMEs or mid-caps are above a given threshold. In addition, every year, two "open" calls are specifically targeting SMEs, which will also be offered business coaching.
An increased funding rate is also offered to projects developed in the context of the Permanent Structured Cooperation (PESCO).
Only collaborative projects, involving at least three eligible entities from at least three Member States or associated countries, may be eligible to EDF funding. Calls dedicated to disruptive technologies can accommodate smaller consortia (at least two eligible entities from at least two Member States or associated countries). Norway is the only associated country having opting in for the EDF.
In order to be eligible to EDF funding, recipients and subcontractors involved in the action must be established in the EU, have their executive management structure in the EU and must not be subject to control by a non-associated third country or by a non-associated third-country entity. Regarding this last point, a derogation exists if guaranties approved by the Member State or associated country where the entity is established and substantiating that security-based conditions are met, are provided to the Commission.
The participation to an EDF project of entities established in non-associated third countries is possible but subject to conditions defined to ensure the security and defence interests of the EU and its Member States. They also guarantee the freedom of action of Member States in the use and export of resulting defence equipment. Such entities cannot receive EDF funding.
Implementation and governance:
The Programme is implemented directly by the Commission. In duly justified cases and in line with the EDF Regulation, the management of a grant can be delegated to an entrusted entity.
The EDF annual work programmes are defined in close cooperation with Member States representatives within the EDF Programme Committee, including the involvement of the European Defence Agency (EDA) and the European External Action Service (EEAS). Identified priorities are aiming at contributing to the security and defence interests of the Union, in line with defence capability priorities agreed by Member States within the framework of the Common Security and Defence Policy (CSDP) and particularly in the context of the Capability Development Plan (CDP), and taking into account, where appropriate, regional priorities and priorities from and international organisations (NATO).
The categories of actions structuring the annual work programmes have been designed to cover all military domains and key enabling technologies. Funded projects should enable the European Commission to respond to the needs of Member States while targeting critical capabilities that are essential for the future.
European Defence Fund National Focal Points (NFPs)
What are European Defence Fund National Focal Points?
The National Focal Points are individuals nominated by EU Member States and countries associated to the European Defence Fund (Norway) that are supported by national structures established under the responsibility and control of the Member States and Norway.
NFPs will support the implementation of the European Defence Fund: working closely with DG DEFIS they will reach out to stakeholders, notably applicants and potential applicants, provide information and advice to potential applicants and beneficiaries of the EDF programme and assist in building partnerships, throughout the EDF life cycle.
Find your NFP
For any question related to the EDF calls for proposals: DEFIS-EDF-PROPOSALS@ec.europa.eu
For any other question related to the EDF: DEFIS-EDF@ec.europa.eu
You can find here below the links to all our videos:
The European Defence Fund (General Video)
How to Apply to EDF Funding
Discover the EDF 2022 Work Programme
Leading to the EDF: EDIDP & PADR Precusor Programmes
The European Defence Fund (EDF) on the Funding & Tenders Portal: Funding & tenders (europa.eu)
EU Defence Innovation Scheme Webpage
EDF Regulation on EU-LEX: https://eur-lex.europa.eu/eli/reg/2021/697/oj
Network of European Defence Fund National Focal Points


text:
Q: Make the string lexicographically smallest and non palindromic by replacing exactly one character Given a palindromic string palindrome, replace exactly one character by any lowercase English letter so that the string becomes the lexicographically smallest possible string that isn't a palindrome.
After doing so, return the final string.  If there is no way to do so, return the empty string.
I have come up with the following, which takes O(n) time and O(1) space:
def breakPalindrome(self, S):
    for i in xrange(len(S) / 2):
        if S[i] != 'a':
            return S[:i] + 'a' + S[i + 1:]
    return S[:-1] + 'b' if S[:-1] else ''

Is there a better solution?
Please correct me if there's some mistake in time or space complexity.

A: *

*Bug in your code: Odd palindromes. Input 'aba' gives output 'abb'. The correct output should be 'aaa'

*Return "" on len(palindrome) == 1 is not a right thing to do. I would treat empty string as a palindrome.

*Strings are immutable in python. So, space complexity of your solution is O(n). It can't be any better.

*There can't be a better solution in terms of space or time complexity. You have to check the whole string in the worst case e.g. string contains only 'a's.

*In languages where strings are mutable e.g. C++, the space complexity could be O(1) as one can change a character at an index in constant time like palindrome[i] = 'a' or palindrome[palindrome.size() - 1] = 'b'.

redpajama_set_name: RedPajamaStackExchange


We the undersigned, petition the Mayor to include a bypass for Harston in his transport strategy.
The A10 south is a major radial route into Cambridge, is single carriageway and goes through the centre of Harston, cutting the village in half. It carries more than 16,000 vehicles per 24 hours, including HGVs, and this is increasing (according to the GCP which has insufficient funds for a bypass.) The primary school is on this road and the pollution is likely to be high. There are 994 approved dwelling planning applications along the A 10 corridor, with more pending and at Appeal, also more in North Hertfordshire and they are expected to use the A 10.
Harston is the only village in South Cambridgeshire on a major route without a bypass.
The increasing A10 congestion will make it very difficult to exit Hauxton, and the proposed 2,000 space car park at junction 11 is likely to make the traffic worse.


The pictures of the Tae Shimura costume are of the same color of a piece of cloth. The different strength of light caused the difference in colors.
Tae Shimura is the elder sister of Shimura Shinpachi in Gintama. She usually wears a watermelon red yukata with red flowers on it. She is good at controling her temper.


text:
Desert Sands Pottery
Evans Mission Swirl Ceramics
Click to Proceed or Scroll Down
The History of the Desert Sands Pottery Company
In 1936, Terrell Evans was hired by the U.S. Bureau of Mines in Boulder City, Nevada. He was a potter by trade, but in this case he was to do geological surveys of local clays. Having obtained gainful employement in bad economic times, he made a place for his relatives. Before long, he was providing for his Uncle Arthur and Arthur's children, Ferrell and Dorothy.
In 1946, Arthur and Ferrell Evans convinced an investor named Jack Petrie to back them in a partnership venture, and the Pinto Pottery Company was created. It was fairly successful, but the company was liquidated in 1949 so that Jack could be bought out and the business converted to a purely family business. The new business entity created was called the Desert Sands Pottery. All four family members were engaged in the creation of the pottery, and on August 5th, 1950 they opened the doors on the Desert Sands Gift Shop on Nevada Highway in Boulder City.
The business was booming for years for their mission-swirl pottery at the tourist stop. But in 1962, Arthur passed away, leaving decisions to be made about the future of the family business. It was decided that each of the remaining three would continue alone. Ferrell took the Desert Sands name with him to Barstow, California, where he produced the trademark swirl pottery until he died in 1975. Terrell moved to Las Vegas where he sold swirl pottery branded as Evans through tourist shops until the 1980's. Dorothy remained in Boulder City, and continued the tradition for some time, producing swirl pottery rebranded as "Mineral and Sands Pottery".
Early pieces of Desert Sands are very similar to the famous Niloak Pottery, with only the interior glazed to make them functional. However, Desert Sands often used green, bright yellow, and bright orange, colors not in the Niloak pallette. Later pieces received a bright glossy glaze on the exterior, causing the dull clay colors to become brilliant. The Burley Winter Pottery tried similar styles with different glazes, but mission swirl at this period remained the domain of Desert Sands.
Collectors for years had turned up their noses at Desert Sands Pottery, assuming it was simply a poor imitator to Niloak. They were not considered as art pottery, but rather as souvenirs or trinkets. But today collectors are beginning to appreciate these pieces which are becoming increasingly difficult to find. Whereas Niloak shipped literally millions of pieces in the 1930's, Desert Sands production could be counted in the thousands in total with only 4 people hand-throwing each piece. For those interested in the Arts and Crafts movement, nothing would fit the definition better.
Hover for details...
General Vintage Pottery Links
Vintage Pottery for Sale
Burley Winter Pottery
Polia Pillin Pottery
Roseville Pottery
J. B. Owens Pottery Information
The Pottery of the Overbeck Sisters
The Grueby Pottery Website
Muncie Pottery
Newcomb College Pottery
Peters and Reed Pottery
All about Niloak Pottery
Grueby Pottery
Overbeck Pottery
Zane Pottery
Vintage Roseville Pottery
American Art Pottery Association
Follow @TheKingsFortune Follow @RosevilleArt
© 2018 The Kings Fortune LLC. All rights reserved.


text:
U.S. Car Sales Drop, Industry Expects 11% Decline
Car sales in the U.S. have been gradually declining in the last six months. Since the start of 2019, the industry has seen a 2.4% drop and is expected to finish at 16.9 million by the end of the year.
This is the first time since 2014 that the U.S. auto industry will be below 17 million. Despite the decline, the industry's numbers are still strong. There are approximately 500,000 reefer trailers on U.S. roads and 100,000 armored vehicles on the road worldwide.
Analysts say the low demand for cars is largely due to rising auto loan rates and not because of a lack of interest in vehicles.
"The U.S. economy continues to grow at a healthy pace," said Elaine Buckberg, the chief economist of General Motors in a statement. "Jobs are plentiful and inflation remains low."
"Auto demand was better than anticipated in the first half and we expect strong performance in the second half of the year," Buckberg said. "If the [Federal Reserve] cuts rates, as widely expected, lower financing costs will provide further support to auto sales."
Among the vehicles that have been losing steam in auto sales is the compact crossover. Compact crossovers, which have been one of the most popular vehicles in the last few years, have declined in sales by 4% as of June. The Jeep Compass, Ford Escape, and Nissan Rogue have been hit the most by this decline.
However, the declining interest in the compact crossover doesn't mean Americans are interested in smaller vehicles. In fact, the decline could mean the opposite.
Full-size pickup truck sales have increased by 1.5% in the first half of 2019. The Jeep Gladiator and Ford Ranger gained 15% of the sale shares.
Despite these gains, Ram is taking the lead with its two-truck strategy. In 2017, there were 237 existing car models offered by the U.S. auto market. And Ram is taking advantage of these existing models by selling its previous generation of trucks to customers on a budget while also selling its latest, higher-priced trucks.
With its two-truck strategy, Ram is expected to finish ahead of Chevrolet Silverado by the end of the year. Ram has already doubled its lead against Silverado with over 44,000 this past June. The Ford F series is currently selling in first place.
"We are well on our way to selling a million pickup trucks in the United States in 2019," said Mark LaNeve, Ford's vice president for U.S. marketing, sales, and service. "We haven't eclipsed a million since 2005."
But Ram isn't the only company that's been seeing a surprising amount of success this year. Subaru has also been stretching its margins with small gains for the last 91 months as of June. The auto company is expected to become the automotive industry's largest brand still growing in the U.S. with a market share of 5.2% thus far this year.
Subcompact and mini-care segments, specifically Chevy Spark, Ford Fiesta, and Kia Soul, have also jumped in popularity. However, car sales are still expected to fall nationally by 11% in the next six months and sales are expected to drop worldwide by over 4 million by the end of this year.
http://www.clarecountyreview.com/columns/contributed/u-s-car-sales-drop-industry-expects-11-decline">
© , ↑ The Clare County Review


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NEW YORK (GenomeWeb) -- Telegenomics technology company Genome Medical has begun providing genetic counseling services for insurer Cigna as of Oct. 1.
Genome Medical employs a team of more than 40 genetics experts and providers who conduct telehealth consultations in the areas of primary care, cancer, cardiovascular conditions, reproductive health, pediatrics, and pharmacogenetics. These experts can evaluate and make care decision for patients, and facilitate peer-to-peer consultations for providers.
"Adding Genome Medical to our genetic counseling program expands access for our customers and contracted care providers to a highly-specialized nationwide practice of credentialed, in-network and certified genetic counselors," Jeffrey Hankoff, Cigna's medical director, said in a statement.
Genome Medical CEO Lisa Alderson lauded Cigna for being innovative in its decision to incorporate the company's telegenomics services. "Cigna's selection of Genome Medical demonstrates the importance of making genetic expertise and genomic services an integrated part of how patients receive care, and providers deliver it," Alderson said.
Headquartered in South San Francisco, Genome Medical has financial backing from Canaan Partners, GE Ventures, Illumina Ventures, Kaiser Permanente Ventures, and HealthInvest Equity Partners. In January, the firm said it closed a funding round worth $11 million and announced the launch of several programs aimed at helping employer groups offer genetics services and physician-guided genetic testing to their employees. At the time, the company said it had raised $23 million to date.


Cuban-born Octavio Rojas, nicknamed "Cookie," played for clubs in several countries and made 5 MLB All-Star teams, including 4 straight from 1971-74. I love the clear-rimmed specs he sports on this card.
This set stands alone among vintage baseball issues by combining VPBL players (#1-138), retired MLB stars (#139-188), and reprinted 1967 Topps fronts (#189-338). It's too bad cards prove so hard to find, since they represent one of the few collections of Venezuelan players, uniforms, and stadiums from the 1960s.
Like the 1962 Venezuelan set, card backs feature Spanish. Here's a rough translation of the text.
Considered one of the best second baseman to play for the Venezuelan Champions, Rojas came to the majors with Cincinnati in 1962 and played with the Phillies in 1963, following a trade for Jim Owens. An All-Star in 1965. This is his Venezuelan League debut.
Card Value: $5 - 15 for non-star singles, depending on condition and player. (South American dealer John Rumierz Cards specializes in them.) Many dealers ask sky-high prices for graded stars, due to scarcity.
Reprints / Fakes: Haven't seen any in the marketplace. Stars cost a lot and cards often have back damage, so someone might try it, but low collector demand means there's little reason to fake a common player.


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text:
When the fallout from the Italian elections sent a shudder through the world's stock markets on Monday, one thing that was affected was the VIX, or what is commonly referred to as the fear index. This measure of the market's volatility had been under 15 every day this year until it popped up to 19 on Monday. The 34 percent increase was the largest one-day rise since August 2011, during the debt ceiling debates.
It wasn't so long ago that we had expected volatility like that as a matter of course. The VIX was over 20 as of a year ago. During those debt-ceiling debates, when Standard & Poor's downgraded the nation's creditworthiness, in the late summer of 2011, it was above 40.
But everything is back under control now. The VIX has given back 88 percent of Monday's one-day spike, and dropped safely under 15 again. The shock waves were apparently a one-day phenomenon.
Why People Like This Economy
The consumer confidence reading that came out yesterday was surprisingly high, with February showing the first monthly increase in four months. Consumer confidence is now at its highest point since November 2011.
There are other figures just out that point up why consumers might be feeling positive about the economy:
* Sales of new homes jumped up in January by the most in two decades. The number of home sales increased by 15.6 percent for the month, putting the annualized total at the highest it's been since July 2008.
* The Federal Reserve reported that American banks earned $141.3 billion in net income last year, which was their second-biggest year on record, after 2006. The amount of money they set aside to cover bad loans dropped by nearly 25 percent. There's no doubt that the banking sector is now in a very healthy place.
America's Retirement Plans
When it comes to being prepared for retirement, about half the country thinks it's in pretty good shape. According to a new survey from the Employee Benefit Research Institute, 49 percent of those who aren't yet retired say they are "saving enough for a retirement in which [they] will have a desirable standard of living." Which half are you in?
Most of the questions saw similar splits. Some 54% said they "have a savings plan with specific goals." Another 43% said they "have a spending plan that allows [them] to save enough money to achieve the goals of [their] saving plan." And 49% said they know their net worth.
Perhaps the most disheartening part of the survey was that there has been no real progress in building up America's saving habits, despite the economic recovery. There was no improvement in these indicators between February 2012 and February 2013 – the number of people saying they had sufficient emergency savings actually dropped from 66 percent to 65 percent and among the non-retired, and the number saving enough for retirement dropped from 51 percent to 49 percent.
Value Moves Ahead
The fact that investors began pouring money into domestic stock funds in January - after several years of net outflows - was big news for the financial world at the beginning of the year. Now Morningstar, the mutual fund research company, has broken down those figures further, and the results are very interesting. In the large-cap category, investors put $2.389 billion into large-cap value funds in January, but just $343 million into large-cap growth funds. That's about seven times as much money that was put into value funds.
The advantages in other categories are strong too, although not quite as dramatic. Mid-cap value funds took in $631 million in January, as opposed to $377 million for mid-cap growth funds. Small cap value funds took in $383 million, as opposed to $273 million for small-cap growth funds.
Add them together, and that's $3.4 billion that went into value funds, compared with $993 million that went into growth funds. That constitutes a pretty striking trend.
Hedge Funds Love Stocks
There's one group that's pretty excited about the prospects of the current stock market, and it's a fairly significant one: hedge funds. According to research from Goldman Sachs, hedge funds are more exposed to stocks right now that they've been at any point over the past six years.
Goldman says the net long exposure to equities in hedge funds increased to 52 percent in the fourth quarter of 2012. That matched where it was back in the first quarter of 2007, but the figure hasn't been any higher than that in ten years.
Part of it is just playing catch-up. The average hedge fund returned just 8 percent last year, while the Standard & Poor's 500 returned 13 percent. That has continued into the new year, with the average hedge fund up just 3 percent through February 8, while the S&P was up 7 percent.
Business Loans Are Back
One of the biggest handicaps for our economy following the recession was that the credit markets completely froze up. Having been burned so much by bad lending decisions, banks decided that they weren't going to extend that kind of credit any longer. Credit expands the money supply and grows the economy, so without banks performing their natural function, it created another roadblock for the recovery to get past.
But we finally seem to be getting beyond that. According to the research firm SNL Financial, commercial and industrial loans were up 16 percent in 2012. The number was up by 4.4 percent in the fourth quarter of 2012, and total amount of business loans has now increased for nine quarters in a row.
Part of what's fueling that activity is that banks are flush with cash. With investors still spooked by the 2008-09 market crash, banks have seen an increase in deposits of 29 percent since 2008, to a current total of $9.06 trillion.
Posted by Mark Wade at 2:02 PM No comments:
Cars Are Getting Old
Here's an artifact of the difficult economic times we're living in: The average age of all the light vehicles on the road is up to 11.2 years as of 2012, according to a study done by automotive research firm Polk. Back in 1995, that same number was just 8.4 years. It just crossed over the ten-year mark in 2008.
Part of that can be attributed to cars and trucks that are simply built better these days, and as a result, they have been lasting longer. But it also indicates that as the economy improves, we could see more and more people trading in their clunkers for new vehicles.
We've started to see that already. Motor vehicle dealers report that they have seen their sales jump by 15 percent since 2011. Business has been good for auto parts supplies as well, who have been furnishing the replacement pieces to keep those older cars on the road.
M&A Activity Perks Up
Last week's news about the takeover of Heinz by Warren Buffett's investment group and the merger between American Airlines and US Airways pointed up a new wave of transactions among American corporations. A strong stock market does generally lead the way to more merger activity, and that looks to be what's happening so far.
There was $40 billion worth of deals struck last Thursday alone, with Heinz and the airline merger both being announced on that day. Earlier in the month, Dell went private in a $20 billion deal, and Comcast bought up nearly half of NBC Universal for $18 billion.
Altogether, there has been $160 billion in mergers and acquisitions announced so far in 2013. That's the most in the first month and a half of any year since 2005. These deals can have an significant effect on stock prices - bankrupt American Airlines' share price nearly doubled the day its merger was announced - so they're well worth watching.
Small Businesses Hunt for Workers
There's kind of an odd disconnect going in our economy right now. Despite the fact that the unemployment rate is struggling to get very far under 8 percent, employers are also saying they're having trouble finding qualified workers. More than half of all small business owners say they're having a "very difficult" or "somewhat difficult" time finding qualified employees, according to a new survey from Gallup.
But that's not anything new. The same survey conducted a year ago showed virtually the same results, that 53 percent of small business owners were struggling to find qualified workers. Before the recession it was even worse: In March 2005, 65 percent of small business owners reported trouble finding good employees.
In addition to the questions it raises about the employment situation, this is also affecting small business' operations. When asked if the inability to find qualified workers was hurting their business, 27 percent of small business owners said yes, up from 21 percent just a year ago.
Sequester Effects
Although we averted the effects of the fiscal cliff at the beginning of the year, the American economy still faces a sequester at the beginning of March – a slew of cuts to government spending designed to bring the deficit down, unless Congress acts otherwise. It's not clear what the effects of this will be, but there's a consensus emerging that it will hamper the economy over the course of the year.
But the predicted impact doesn't appear too terrible. J.P. Morgan has lowered its forecast for GDP growth over the entirety of 2013 to 1.9 percent, down from 2.1 percent. The bank also estimated that unemployment would be at 7.6 percent by the end of the year, down from its current 7.9 percent.
It's in unemployment that the sequester will probably be felt the most. The budget cuts could conceivably cost the economy 750,000 jobs over the course of 2013 alone, according to Congressional Budget Office director Douglas Elmendorf.
Keeping Retail Up
As you probably noticed from looking at your first paycheck in January, the payroll tax went up as a result of the fiscal cliff negotiations between the president and Congress. Most of us saw our real wages decline because of this. And that wasn't the only negative effect: Some people feared that the loss in purchasing power would serve as a drag on the entire economy.
Fortunately, it hasn't had a strong impact yet. Retail spending, which would really feel the impact of the lower paychecks, still rose 0.1 percent in January, despite the fact that most American's real incomes declined slightly.
That figure is still down from the 0.5 percent increase we saw in both November and December, although those numbers were boosted by holiday spending. While we'd like to see it higher than 0.1 percent, at least it's moving in the right direction.
Does This Bull Market Still Have Legs?
We have had a bull market for going on almost four years now, since the Standard & Poor's 500 bottomed out back on March 2009. It's getting to the point that some financial pundits are starting to wonder if the market is overheated, if it's time to pull back on stocks. But according to one key measure, this bull run may still have some legs.
Consider that the price-to-earnings ratio - the ratio of a share price to that company's underlying earnings per share - of the S&P 500 is now at about 14.4. The long-term average for that figure is 15. If stocks were selling at exorbitant prices, we'd expect that number to be higher than the average.
That's exactly what happened during the dot-com era. During the bull market that lasted from the 1980s to 2000, the S&P 500's P/E ratio rose from 7.7 to a staggering 28.6. Now that's a sign of an overheated market.
You probably remember that the Commerce Department's estimate of GDP growth for the fourth quarter of 2012 came in at a disappointing negative 0.1 percent. That was just the first estimate, and we're starting to see why these things get revised over time. The trade deficit for December was reported last week, and it was so unexpectedly small that it will in all likelihood push the next estimate of GDP into positive territory.
For the month of December, the U.S. trade deficit narrowed from $45.5 billion to $38.5 billion, meaning the gap between the amount of our imports and the amount of our exports fell by $7 billion. The biggest factor was that petroleum imports fell to their lowest level in more than a decade.
Exports add money to our economy, of course, while buying imported goods pushes dollars out of the country. When the next revision of fourth quarter GDP is released on February 28, don't be surprised if it's good news.
We're off to a pretty good start in the stock market so far in 2013,. The Standard & Poor's 500 Index increased by 5.5 percent in the month of January, which is about half of a good return for an entire year.
But perhaps more importantly, that kind of performance bodes well for the rest of the year. Birinyi Associates looked at the past 50 years, and found only eight other years in which the S&P had risen by 5 percent or more in January. In the ensuing 11 months, not even counting that January increase, the market has added an additional 12.7 percent.
The one time it missed over that period, though, is kind of a cautionary tale. In 1987, the S&P was up 13.2 percent in January. But come October, there was a market crash, and as a result, over the remainder of the year, the S&P was down 9.9 percent. Let's hope we don't see that again.
Why Borrowing Matters
We generally look to consumer confidence surveys to take the pulse of the American economy, but it's probably better to look at what the nation is doing, as opposed to what it's saying. And according to figures released yesterday by the Federal Reserve, Americans are feeling more and more confident about their money.
Consumer borrowing rose in December for the fifth month in a row. The total amount of consumer debt jumped by $14.6 billion for the month, following a $15.9 billion rise in November. Much of that was for new car purchases; non-revolving debt, which is primarily auto loans and college tuition loans, increased by more than $18 billion in December.
This is the reason we measure consumer confidence to begin with, because we need people to spend money to keep our economy humming. If people have enough confidence to take out loans to buy bg-ticket items - well, that's a very positive sign.
The Unlikely Jump at the Pump
Gasoline prices tend to go down over the winter, as Americans drive less in the colder months of the year. That's why the recent rise in gas prices has been so surprising: The cost of a gallon has risen by 18 cents nationwide in the past week. That's the biggest weekly gain we've seen in two years.
Here in New Jersey, we're right at those national averages. Whereas the national average for a gallon of gas is $3.51, a gallon of gas costs an average of $3.52 in New Jersey right now. A week ago, that same average was $3.39 a gallon.
Why is this happening? For one thing, oil prices are now as high as they have ever been. Although the price fluctuates quite a bit, for 2012, the average cost of oil was $112 a barrel, the highest annual average ever. Prices have stayed at those levels through the early part of 2013.
The Great Rotation
For years now, domestic stock funds have been hemorrhaging money as investors have sought the safer haven of bond funds. But now that seems to be turning around, in what some financial pundits are calling "The Great Rotation." After equity funds lost more than $350 billion in net outflows for 2012, they took in $29.9 billion in the first three weeks of January. By comparison, bond funds took in $28.1 billion over that same period, which shows that investors may finally be developing some confidence in this market.
Overall inflows into mutual funds of all types have reached a new high as well. Long-term funds took in $64.8 billion in the first three weeks of January; unless those numbers seriously reverse themselves, we will break the monthly record set back in May 2009, when net inflows into funds reached $52.6 billion.
Will any of this matter to investors? It could very well have a practical effect on the market. If there is more money being invested in the stock market, it stands to reason that that could help drive up stock prices.
What do you make of New Jersey's economic well-being? It has been a rough time recently, especially given the effects of Sandy, but most residents still have a fair amount of confidence in the state. According to a Gallup poll released this week, New Jersey's self-reported economic confidence score, -21, is that same as that given to the nation as a whole.
Obviously, a positive number would be better than a negative, but none of the fifty states reported a positive figure for economic confidence, although the District of Columbia did. The worst reporting from among the 50 states belongs to West Virginia, which reported a -42, or twice as bad as New Jersey.
Maybe the best news for the Garden State is that the number shows a long-term trend of moving in the right direction. Back in 2008, our economic confidence reading was at a dismal -53, but it has improved in three out of the four years since then.
Super Bowl Fallout
Did you bet on the Super Bowl? If so, I hope you put some money down on the Ravens - or even better, on there being a power outage in the middle of the game. The odds on that must have been pretty long.
If you did make a friendly bet, you're not alone. According to the Wall Street Journal, 40 percent of all Americans have bet on the big game at one point or another. The most common bet was between $1 and $25 - 60 percent of those who had placed a bet said they had lost that amount.
Sixteen percent of those who had placed a bet claimed to have won $100, while just 7 percent said they had lost a $100 bet. Maybe the Journal should have also asked how many people had ever lied about the amount of money they'd won betting on the Super Bowl.
The Jobs Report Looks Backward
In contrast to the disappointing GDP figure released earlier in the week, the January unemployment figures released this morning by the Bureau of Labor Statistics show the economy to be continuing along as it has been for months now. We added 157,000 new jobs in January, and the unemployment rate remained unchanged at 7.9 percent.
Perhaps more significant is that the numbers for the previous two months were revised upward significantly. December's new job output, previously reported at 155,000, is now thought to have been 196,000, and the November jobs figure has been revised from 161,000 to 247,000.
Those two monthly revisions were enough to make a significant change to the overall new jobs rate of 2012. Initially, just after the year ended, the BLS reported that the economy had added 153,000 new jobs per month over the course of the year. But today's revisions mean that the number is now being reported as 181,000 new jobs per month.


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Strong natural selection in a warning color hybrid zone
J. Mallet, N.H. Barton, Evolution 43 (1989) 421–431.
10.2307/2409217
Mallet, James L; Barton, Nick HIST Austria
Frequency-dependent selection on warning color can maintain narrow hybrid zones between unpalatable prey taxa. To measure such selection, we transferred marked Heliconius erato (Lepidoptera: Nymphalidae) in both directions across a 10-km-wide hybrid zone between Peruvian races differing in color pattern. These experimental H. erato were released at four sites, along with control H. erato of the phenotype native to each site. Survival of experimental butterflies was significantly lower than that of controls at two sites and overall. Most selection, measured as differences in survival, occurred soon after release. Selection against foreign morphs was 52% (confidence limits: 25-71%) and was probably due to bird attacks on unusual warning-color morphs (more than 10% of the recaptures had beak marks). Since only three major loci determine the color-pattern differences, this suggests an average selection coefficient of 0.17 per locus, sufficient to maintain the narrow clines in H. erato.
Mallet J, Barton NH. Strong natural selection in a warning color hybrid zone. Evolution. 1989;43:421-431. doi:10.2307/2409217
Mallet, J., & Barton, N. H. (1989). Strong natural selection in a warning color hybrid zone. Evolution. Wiley-Blackwell. https://doi.org/10.2307/2409217
Mallet, James, and Nicholas H Barton. "Strong Natural Selection in a Warning Color Hybrid Zone." Evolution. Wiley-Blackwell, 1989. https://doi.org/10.2307/2409217 .
J. Mallet and N. H. Barton, "Strong natural selection in a warning color hybrid zone," Evolution, vol. 43. Wiley-Blackwell, pp. 421–431, 1989.
Mallet J, Barton NH. 1989. Strong natural selection in a warning color hybrid zone. Evolution. 43, 421–431.
Mallet, James, and Nicholas H. Barton. "Strong Natural Selection in a Warning Color Hybrid Zone." Evolution, vol. 43, Wiley-Blackwell, 1989, pp. 421–31, doi:10.2307/2409217 .


Michael Jordan: Kobe Bryant vs. LeBron James?
Inside the NBA: Kobe Bryant or LeBron James?
Crazy comparison video of the 2 greats Michael Jordan & Kobe Bryant.
The event raised over $400,000 in ticket revenue, which will go towards building and improving basketball facilities in Project Hope schools for underprivileged children in China.


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Interactive: March 9–13
Film: March 9–17
Music: March 13–18
Becoming a CEO: Lessons from Four Techette Leaders
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Even though the U.S. workforce is comprised of 50% women, our society still finds it unusual for women to hold roles in certain fields – one of them being technology. In fact, only 25% of people that work in tech are women, and a very small percentage of that number are women in top-level positions. It's still widely assumed that women who assume upper-level positions in their profession will be forced to make sacrifices in their personal life.
In this panel you'll hear from four successful female CEOs/Founders of tech companies about their (wildly different) paths to the top. The panelists will provide a unique perspective about what it's like to be a woman in tech today, the changing role of the CEO, the past and present obstacles of this profession, and advice they'd give to aspiring CEOs of both genders.
From running an online training startup, to co-founding an online event registration site with their spouse, to having served as a CEO for both enterprise and consumer tech companies, these women are at the forefront of leadership and innovation in technology. Learn from their successes and mistakes and ask them questions about their careers and work-life balance that you've always wanted to know.
Alexa von Tobel CEO LearnVest Inc
Alexa von Tobel is the founder and CEO of LearnVest.com, the leading independent personal finance website for women. Since launching the company in 2009 and LearnVest being selected as a TechCrunch50 Company, von Tobel has been widely quoted as a personal finance expert and entrepreneur in top tier business and consumer publications. Most recently, she was named as one of Inc. Magazine's "30 Entrepreneurs Under 30" and highlighted as one of Marie Claire's "18 Women Changing the World." In April 2009, von Tobel closed a $4.5 million series A round of funding led by Accel Partners, the venture firm responsible for backing Facebook, Groupon and more. Originally from Florida, Alexa received an A.B. in Psychology at Harvard College. Upon graduation, she worked as a trader at Morgan Stanley on their Proprietary Trading Desk before leaving to be the Head of Business Development at Drop.io, a venture backed start-up in NYC. She enrolled in Harvard Business School Fall of 2008 only to take a leave of absence to launch LearnVest and pursue her dream of bringing financial literacy to millions of women everywhere. In addition to LearnVest, Alexa is the co-founder of L.W.A.L.A. (www.lwala.org) a 501c3 focused on fighting HIV/AIDS in Africa.
Courtney Myers Features Editor The Next Web
Courtney Boyd Myers is the Features Editor of The Next Web, an international, new media company. She began her career writing about robots and now covers global technology trends, web startups and Internet entrepreneurs. She splits her time between New York City and London and her favorite app of the moment is Path.
Donna Wells CEO Mindflash
Leads MIndflash.com, a VC-backed start-up looking to disrupt the online training industry in much the same way that Mint.com disrupted the personal finance industry. Was CMO and employee #9 at Mint and helped build the company from launch in 2007 to US market leadership with 2 million users .... to sale to Intuit for $170 million in 2009. Prior to Mint, led client acquisition/retention, brand-building and product development for Expedia and myCFO and held senior roles at Intuit, Charles Schwab and American Express. Angel Investor and Advisory Board member to several web-based businesses. Named one of the Top 25 Women in Tech to Watch. Founding Advisor at Palindrome Advisors, Founding Member of Planned Parenthood Technology Innovation Council. Infrequent blogger for Mashable, FastCompany and Inc. magazine.
Julia Hartz Co-Founder & Pres Eventbrite
Julia spends her day focusing on the happiness, productivity, and growth of the team at Eventbrite (aka the Britelings). She strives to foster the culture that has defined Eventbrite, and that has placed the company among the Top 5 Best Places to Work in the Bay Area two years in a row, according to the SF Business Times.
Prior to co-founding Eventbrite with her husband, Kevin Hartz, Julia enjoyed a career in Television Development at MTV Networks and FX Networks. She was fortunate enough to be a part of acclaimed shows such as Jackass, Nip/Tuck, The Shield, Rescue Me, and Morgan Spurlock's 30 Days.
Julia graduated from Pepperdine University with a B.A. in Telecommunications. She has served on the board of The Village Well, a non-profit organization that supports slow parenting, and has been active in The Full Circle Fund.
Julia has participated in several keynotes and panels to discuss ticketing, social commerce, and entrepreneurship including 2011 SF MusicTech, 2011 SXSW, 2011 Women in Business Conference, 2010 Girls in Tech Catalyst Conference, and 2010 Women 2.0 Founders Lab and Pitch Night. She was recently named 2011 SF Woman Entreprenuer of the Year by Women's Intiative and recognized in Forbes Magazine's 10 Female Entrepreneurs and Mompreneurs to Watch and Huffington Post's 18 Female Founders in Tech to Watch.
Julia lives in San Francisco with her handsome husband, adorable daughter, and a pretend dog.
Meredith Flynn-Ripley Co-Founder & CEO MediaFriends/HeyWire
MediaFriends – Home of HeyWire & BNDWGN
Meredith is all about building new tech companies with ground-breaking consumer experiences. Before becoming a CEO, she began her career with Ogilvy & Mather's Interactive Marketing Group introducing online marketing to clients like American Express and AOL; leading content strategy on interactive TV for U S West; and becoming a founding member of the Road Runner broadband services joint venture of MediaOne (now Comcast), Time Warner and Microsoft. Meredith then took that big-time passion to grow 2 Boston start-up companies as CEO before co-founding MediaFriends - a Mobile Messaging Platform Company that connects people and brands around the world in better ways with their HeyWire free texting service…and now BNDWGN a new way to chat with your friends.
Meredith has been named a Top Woman in Cable Technology and a "Woman to Watch" by MultiChannel News, is a Mass High Tech All-Star and received the Executive of the Year award by the Mass Technology Leadership Council
Favorite Way To Go HeyWire: "At the end of a too long business trip, messaging from my iPhone to my daughter on Facebook that mom's coming home!"
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Wittyburg.com The Burg Is the Word
in Famdamnily
A letter to Dad on his 70th birthday*
*Which was March 13, but then we had this whole global pandemic happen, so I think he'd understand my cause for pause.
Slick Rick,
It's hard to believe you've been gone six and a half years. I remember thinking you were so young to die at 63, and now today, you'd be 70. SEVENTY. That sounds so old somehow.
I'd like to think you'd be watching the world news without worry, knowing you'd already survived a terrible car accident, a few wars, and a massive stroke. You always had an eye out for prepping, whether it was with stockpiled paper goods or those Army MREs we thought were such a novel treat for dinner.
I know you're so proud of Adam. He's been resilient as ever this past year, welcoming their third baby girl into the world and overcoming some awful work news. He brought you a beer today, of course, and I hope your neighbors at the cemetery don't mind that he doesn't share. You'd love all of your grandkids equally, but I'd kill to see you and L have a battle of wits. She would wear out your patience and then give you that devastating smile to make you melt.
You must be proud of Mom, too. She sold the house on Rusty Circle, the same one where you had the stroke and spent the last days of your life. She's making big changes that are scary, but she's not alone. You're always with her, even if she'd prefer if sometimes you'd just let her spoil the granddaughters without question. Her move to be closer to the kids is something you both would have enjoyed in this phase of life together.
I hope you're proud of me. I'm trying to write more in my free time, which I'm getting a lot more of lately. I'm doing well at work and constantly look to you and Pop for the encouragement to keep doing what I'm doing, not worrying about what others think. I have some incredible friends who made root beer floatinis in your honor tonight and I cried even more than you did when we saw Mr. Holland's Opus.
There's a lot that's happened in the last year, and I hope you're still listening to me each day. I know you'd prefer I curse less and have more patience, but I do have you to thank for those qualities so it can't be all that bad.
I miss you every single day and can't believe how much you haven't been physically here to see. I can't believe how much there still is to come. All I can do is hope and pray you're watching over us; taking breaks with Food Network or The Weather Channel; and grilling burgers to your heart's content for all of our loved ones up there.
Sending you all my love,
Tags: birthday, birthdays, dad, death, famdamnily, family, milestones, wittyburg
About Wittyburg
Sarcastic, sports-obsessed writer & FL native navigating SF.
View all posts by Wittyburg »
One response to "A letter to Dad on his 70th birthday*"
Magz says : 04.13.2020 at 5:39 pm.p.
He is as proud today as he ever was! Your remarks are spot on and to see him L. And you have a meeting of the minds would be awesome! Miss him every single day but after so many years of suffering he is at peace. At peace watching over his beloved family, knowing he is always in our hearts. 143


This is a very elegant dish and is fairly simple to make for that "special dinner" with friends!!! Served with a perfectly chilled wine, we are sure that you'll be the "hostess with the mostest" and deemed to be extremely clever!!!
1.	Finely chop the leek and potato in a little butter in a small pan until soft but not coloured.
2. Add the chicken stock and simmer until the potato is cooked before adding the samphire. Cook/steam for a further minute only since you want to retain the lovely green of the samphire.
3. Liquidize and pass through a sieve which can be done a little in advance.
4. Reheat but do not boil and add the nutmeg, lemon juice and pepper to taste. Do not add salt since this is added naturally by the samphire!
1.	Coat the Monkfish and Scallops in a little seasoned flour and fry in a little olive oil and butter in an oven proof dish until the fish is golden on both sides.
2. Remove the scallops and keep them warm.
3. Sprinkle the flavoured breadcrumbs over the Monkfish and bake in a hot oven 220°C/425°F/Gas 7/ Aga roasting oven, second bottom shelf and bake for 4 minutes to crispen the crumbs.
4. Serve in a puddle of the samphire coulis.


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Missouri AG files consumer suit against duck boat company
By: Sam Hartle
KANSAS CITY, Mo. – Ripley Entertainment Inc., the company operating the duck boat that sank on Table Rock Lake last month, killing 17 people , is facing a suit from Missouri Attorney General Josh Hawley.
Hawley's office filed the case Friday in Taney County District court.
The case alleges violations of Missouri statutes offering consumer protection.
In a press release announcing the case, Hawley said the tragedy should never have happened.
"My hope is that this lawsuit will ensure that unsafe duck boats and companies who put profits ahead of safety will not continue to operate. Consumers have a reasonable expectation of safety and that was not met on July 19," Hawley said.
The suit is one of several cases working its way through the court system.
Earlier this month, attorneys representing some of the family members killed in the incident filed a $100 million civil suit against the duck boat operator.
In addition to the civil lawsuit, the AG's office is still reviewing the case for any criminal charges.
After receiving the case from the Coast Guard, federal prosecutors are also reviewing the case for possible criminal charges.


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Girls Against Boys - Venus Luxure No. 1 Baby
This was the record that sold me on that band. When I lived in Sacramento California I lived right next door to this little club called the Press Club, and they were playing there. I was sitting on my porch and their van pulled up and I started talking to them. That was when they were touring that record, and it was my favourite record at that time. It's heavy, but it has a lot of groove to it - I don't know if there were too many groups who were doing that kind of riff rock, but it had all these discord sounds to it, and then two bass players, one of them using distortion the whole time and the other guy holding down the low end, the keyboard player playing vibes. It didn't sound like anything else at the time. They were from DC, where a lot of my favourite bands are from, like Fugazi, Minor Threat, these bands who started a lot of scenes in music. I never got too into political rock and roll, obviously great lyrics are great lyrics, but what grabs me is the cadence of the singer, how they choose to deliver the words. And that dude, he had this raspy voice, this distinct voice, to me it was more sex, he has this loungy kind of vibe. Lyrically he seemed to talk about partying, drugs, and girls.


Biogen is committed to sound principles of corporate governance and believes that such principles are critical to our success as a company and to obtaining the trust and confidence of our stockholders, employees, customers, distributors and suppliers. Here we share with you the composition of our Board of Directors and its committees, the guidelines and charters that guide our Board committees, our code of business conduct and other important governance documents. We also offer you the opportunity to report complaints and concerns about the company to our Board of Directors.


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Home » Videos » John Cena Appearing on SmackDown Live This Week?
John Cena Appearing on SmackDown Live This Week?
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It was noted over the weekend that John Cena took to his Twitter account and teased that he'll be doing a project in Atlanta, Georgia this week, which is the site of SmackDown Live.
Dave Meltzer discussed the possibilities of John Cena possibly returning on SmackDown this Tuesday night on the latest installment of Wrestling Observer Radio.
"I mean, I haven't heard that [John Cena] is gonna be [at SmackDown]. I suppose he could be. He's supposed to be back in like a month. Usually he likes to do like, straight stuff in the sense of he's either in, or he's not in. So it's not like drop in, then be gone for a month. But, I mean, it's possible. But, if he was gonna be there, they really should advertise it."
As of this writing, WWE has not announced him for the event. It's well known that Cena is a ratings draw for the company and it would be a huge loss if he returned without the company advertising it.
Possible Injury Before Tonight's RAW
What to Expect on the May 30th Episode of SmackDown Live


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The Menace of Single-Use Plastic Bags
By Eaman Abdullah Aman | August 15, 2018 - 11:42 am | August 3, 2020 Environment, Lifestyle, Recycling, Waste Management
Single-use plastic bags are one of the most objectionable types of litter in urban areas. The sheer volume of plastic waste generated, coupled with energy and material resources required for production, as well as emissions resulting from these processes, paint a grim picture of the environmental havoc created by plastic bags.
These single-use plastic bags are causing extensive negative effects to the environment because of how simply they can be used in one's daily life. There are candy wrappers, takeout containers, and other packaging that should've otherwise been avoided.
Single-use plastic bags are a huge threat to the environment as an estimated 1 trillion such bags are consumed worldwide every year. In the United Arab Emirates alone, nearly 12 billion plastic bags are used annually. This stems from the throw-away culture practiced by so many individuals across the globe.
All these said, learn more about the menace that single-use plastic bags bring to the world today.
Hazards of Single-Use Plastic Bags
Single-use plastic bags are notorious for their interference in natural ecosystems and for causing the death of aquatic organisms, animals, and birds. In 2006, The United Nations Environment Programme (UNEP) estimated that there are 46,000 pieces of plastic litter floating in every square mile of ocean, and up to 80 percent of marine debris worldwide is plastic, which are responsible for the death of a more than a million seabirds and 100,000 marine mammals each year from starvation, choking or entanglement.
In fact, there's a huge floating dump in the Pacific Ocean called the "Great Pacific Garbage Patch," which is hundreds of miles wide and consists mostly of plastic debris caught in the ocean's currents. This is a very sad reality, as you can only imagine the destruction that it has caused to aquatic plants and animals in their home.
Plastic bags are mistakenly ingested by animals, like cows and camels, clogging their intestines, resulting in death by starvation. Many ocean divers and photographers have documented the sad death of animals, like turtles, with their bodies trapped in plastic.
In addition, plastic bags clog urban drainage systems and contribute to flooding, as witnessed in Mumbai, Dhaka, and Manila in recent decades. Moreover, toxic chemicals from single-use bags can enter the food chain when they are ingested by animals and birds.
Large numbers of camels in the Middle East die every year due to plastic ingestion
Unfortunately, only a small percentage of these bags are recycled each year, and most float about the landscape and create a tremendous expense in clean-up costs. Several countries, regions, and cities have enacted legislation to ban or severely reduce the use of disposable plastic shopping bags. Plastic bags litter serve as a floating transportation agent that enables alien species to move to new parts of the world, thus threatening biodiversity.
Alternatives to Single-Use Bags
It's not too late yet. There are still many changes in your lifestyle that you can incorporate to reduce your plastic footprint in the environment. The hazards of single-use plastic bag can be mitigated by raising environmental awareness among communities. Many municipalities in the Gulf region are targeting shopping malls and grocery stores to reduce dependence on single-use plastic bags.
Environmental education at workplaces, schools, and residential areas is a vital tool in the fight against plastic bags. Empowering people to take proactive actions and encouraging them to be a part of the solution can also be helpful in reducing the reliance on single-use plastic bags.
Municipalities can make use of the 5Rs of waste management—Rethink, Reduce, Reuse, Recycle, and Recover—to encourage safe disposal of plastic bags, which may be facilitated by mass deployment of plastic bag collection systems and recycling facilities at strategic locations. Some of the alternatives are cloth-based bags, such as jute and cotton, which are biodegradable as well as reusable. For instance, www.calico-bags.com.au/, a supplier in Australia, is a very good source of beautiful, customized calico eco-bags that you can use instead of plastics.
In fact, the range of durable fabric shopping bags is growing each year in Western countries, including those that can be conveniently folded up into a pocket.
From one's primary years in school, you may have already been taught the basics of "Reduce, Reuse, Recycle." While it seems very simple, however, it's actually one of the basic ways to instill this eco-friendly lifestyle in the lives of people. It may seem difficult at first, but once you truly get the hang of it, you'll realize that there's no better way of life than an environment-friendly one.
The introduction of 'plastic bags tax' can also be a handy weapon in restricting the use of single-use plastic bags in the Middle East. For example, Ireland introduced a plastic bag charge called PlasTax more than a decade ago, which has virtually eliminated plastic bags in the country.
Initiatives in Middle East
The Middle East region has been slow in gearing up to the challenges posed by single-use plastic bags, though governments have been trying to raise public awareness aimed at behavioral change. The Ministry of Environment and Water in UAE launched an initiative called "UAE free of plastic bags" to maintain the health of the natural habitat and enhance the environmental standards of the state.
The Dubai Municipality has also launched an ambitious "No to Plastic Bags" campaign to slash 500 million plastic bags. There are similar but small-scale efforts in Saudi Arabia, Qatar, and Kuwait to encourage clean-up campaigns in seas, deserts and cities.
In Egypt, the Red Sea (Hurghada) is the first plastic bag-free governorate, having introduced a ban which generated employment opportunities for women who have been charged with creating cloth bags in the place of plastic bags.
After reading this, you hopefully have more insights about one of the biggest dangers facing the environment: single-use plastics. While it's bringing bad news to countries all over the world, it also brings with it good news.
When you put in the right attitude and commitment to avoid using single-use plastic in your home, that's at least one more person moving towards a more sustainable lifestyle. Think of this positive change as your gift to future generations.
One small change can mean a world of difference for the safety and health of the planet.
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About Eaman Abdullah Aman
Eaman Abdullah Aman is MRLS graduate in Environmental and Natural Resources Law and Policy with a specialization certificate in Energy Law and Policy from Denver University, USA. Her expertise encompasses international petroleum transactions, petroleum contracts and agreements, international petroleum investment operations, energy policy and economics of natural resources law and policy. She has rich knowledge on issues related to climate change mitigation, environmental law and policy, environmental ethics, energy security, sustainable development etc.
View all posts by Eaman Abdullah Aman →
Tagged Alternatives to Plastic Bags, Birds, Cloth Bags, Environmental Hazards of Single-Use Plastic Bags, Great Pacific Garbage Patch, Impacts of Plastic Bags on Wildlife, Ireland, Marine Organisms, Middle East, Plastic Bag Tax, Plastic Wastes, Pollution, Reusable Bags, Single Use Plastic Bags, Single-Use Plastic. Bookmark the permalink.
18 Responses to The Menace of Single-Use Plastic Bags
Dale Rachmeler says:
Another use of these kind of plastic bags revolves around recycling but in this case the use of such bags to manufacture items made of these plastic bags by community groups especially women who desperately need added income. For example in Ghana in West Africa where the menace is even greater, a group of women formed a small company called Trashy Bags. They created a sensitization campaign aimed at mainly schools and civic organizations. They then created a collection system, a sorting system and a design system to create various useful items from the plastic bags that had become nothing but trash that was non biodegradable. They made, handbags, garbage pails, computer covers, school pencil pouches, wallets, credit card holders, reusable grocery bags with handles, etc. They created employment opportunities for plastic bag collectors, plastic designers and the workshop women who created the new products. They opened several small sales points and embarked upon a marketing campaign. They donated 10% of the sales value to schools who collected the most primary material bags from gutters, fields, homes, schools, etc. It worked very well and despite the slow start up, women now have gainful employment, a tribute to their persistence. In the end however, only the abandonment of the use of such non degradable bags will solve this environmental hazard. However, the plastics industry there is hesitating to use biodegradable plastic ingredients as they are more expensive to obtain in the first place. Advocacy is still very much needed. In Ghana, the ever present black plastic bag remains everywhere and at the beach the ocean is filled with these ugly bags making it impossible to even put your toes into the sea. At the end of the day, solutions exist, and it is only a question of will and the desire to make it happen. Keep the pressure up and only time will tell. Taxing the use of plastic bags works and when it hits the consumers pocketbook, demand will drop and ultimately. I go to the store always with my own reusable bags made of recycled plastics and each bag is now at least five years old. Keep these kind of articles coming, they are part of the solution.
Loved this article and this is a great insight on what the Middle East region is doing now to combat plastic bag usage.
Salman Zafar says:
Dear Sara
Glad to know that the article was useful to you. Let us try to minimize the use of plastic bags in our daily lives.
Founder, EcoMENA
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Linus Sebastian Net Worth, Salary and Earnings
in Influencers
Linus Sebastian's net worth 2023: Looking for technology review, then Linus Sebastian is your guy. How much do you know about him? Read on as we take you through the biography, salary, earnings, and net worth of Linus Sebastian. As a bonus, you'll also learn how Linus Sebastian made his fortune.
1. Who is Linus Sebastian and How Much is He Worth?
6. Linus Sebastian Net Worth, Salary and Earnings 2023
Who is Linus Sebastian and How Much is He Worth?
Full Name Linus Gabriel Sebastian
Date of Birth August 20, 1986
Profession YouTube Personality and Entrepreneur
Source of Wealth Vlogging
Linus Sebastian is a Canadian YouTube personality, presenter, producer, and entrepreneur with an estimated net worth of $50 million. He is famous as the creator and host of the YouTube channel Linus Tech Tips. Linus is also the founder and CEO of Linus Media Group.
He has ten technology YouTube channels including "Linus Tech Tips", "Techquickie", "TechLinked", "ShortCircuit", "Mac Address", "LMG Clips", "Channel Super Fun" "Channel Super Fun", "They're Just Movies", and "LinusCatTips" which has a combined subscriber base of over 23.5million. Sebastian has was a regular presenter of technology videos for the now-defunct Canadian computer retailer NCIX between 2007 to 2015.
Linus is the owner and founder of Floatplane Media. His YouTube channel "Linus Tech Tips" is ranked the most-watched technology channel on YouTube. He was ranked fourth in the list of the "Top 30 Power Players in Tech" in 2015 by Inc. magazine.
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How much do you know about Linus Sebastian? Read on as we take you through the journey of how Linus Sebastian began his journey to fame.
Linus Gabriel Sebastian was born on August 20, 1986, in Ladner, British Columbia, Canada. Information about his parents remains vague. Sebastian has four siblings, two brothers, Asher and George and two sisters, Isabelle and Emily.
For his education, Linus studied at Garibaldi secondary school graduating in 2005. Following his graduation, he proceeded to the University of British Colombia. With his increased interest in technology, he dropped out before graduation to pursue his dream.
Linus Sebastian started his career as a product manager for the now-defunct Canadian online computer store NCIX. He started the company's first technology channel which was created to help demonstrate products. He was instructed to create the Linus Tech Tips channel.
Following his departure from the company, he negotiated an agreement in which he could keep the channel as long as he signed a non-compete clause.
In January 2013, Sebastian founded Linus Media Group (LMG) out of a garage. The group developed the Linus Tech Tips channel as an independent venture. The company is headquartered in Surrey, British Columbia, Canada.
The "Linus Tech Tips" channel which started in November 2008 has over 14.2 million subscribers with over 5.3 billion video views. His other channels are "Techquickie", "TechLinked", "ShortCircuit", "Mac Address", "LMG Clips", "Channel Super Fun", "They're Just Movies", and "LinusCatTips".
Through his channels, he regularly shares videos giving information about product reviews web series, tips, tricks and advice about recent technology. All of his channels operate under his company Linus Media Group (LMG).
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Sebastian is also the founder of the company Floatplane, a Canadian development company focusing on developing a great streaming platform for online video content and creators.
Eager to learn more about Linus Sebastian's personal life including his relationship status? Sebastian is married to Yvonne Ho. The couple has been married since May 20, 2011, and together they have one son and two daughters.
The 36-year-old YouTube personality has a lot of followers across his social media channels where he shares a bit of his personal life and work-related stuff. As of the time of writing, Sebastian has over 1.3 million Instagram followers. On Twitter, he has over 1.5 million followers and over 1.6 million followers on Facebook.
A post shared by Linus Tech Tips (@linustech)
Linus Sebastian Net Worth, Salary and Earnings 2023
As of January 2023, Linus Sebastian has an estimated net worth of $50 million. He earns the majority of his money from his company Linus Media Group (LMG) which operates all his YouTube channels. Sebastian also earns money from brand promotion, sponsorship, advertisement and endorsement.
He is estimated to earn $15 million a year across all his YouTube ads. He also has direct advertising at the end of the majority of his videos which usually pays much higher than YouTube ads.
Over the course of his career, Linus Media Group has worked with brands and companies including Amazon, Dyson, Intel, Google, Fiverr, Lenovo, Dollar Shave Club, CableMod, iBuyPower, T Mobile and many others.
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Sebastian also makes money from Amazon affiliate marketing. He is reported to have grossed over $2 million from Amazon associates so far. He also makes money selling merchandise including t-shirts, caps, socks, amongst others.
What's more, Sebastian also makes money from the Floatplane streaming service which offers a wide variety of content from shows to reviews and lots more.
Linus Sebastian is a Canadian YouTube personality, presenter, producer, and entrepreneur with an estimated net worth of $50 million. He is famous as the creator and host of the YouTube channel Linus Tech Tips. Linus is also the founder and CEO of Linus Media. He has grown his brand to become the topmost ranking technology channel in the world.
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