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Q: $this->Auth->login() creates correct query that returns 1 row, but fails IF check (server specific issue) We have a site that we're moving to a new server.  Everything worked fine on the old server.  It's just the start of a site, so it's pretty bare-bones.
When moving to our new server, trying to log-in no longer works.  BUT - according to debugKit, the query generated by $this->Auth->login():
SELECT `User`.`id`, `User`.`name`, `User`.`email`, `User`.`username`, `User`.`password`, `User`.`role`, `User`.`created`, `User`.`modified`
FROM `shopping_main`.`users` AS `User`
WHERE `User`.`username` = 'another'
AND `User`.`password` = '3813dd3a5eeb39c857d56f9ae58ec7f8237e5eb3'
LIMIT 1

IS returning 1 row - yet this if block fails:
if ($this->Auth->login()) {
    $this->Session->setFlash(__('You are now logged in.'));
} else {
    $this->Session->setFlash(__('Invalid username or password, try again'));
}

PDO is installed on both (same version) - not sure if that matters, but we've had weird issues before w/ that.
When doing a fresh install of CakePHP 2.2 stable, everything lights up green (database connection, modrewrite...etc etc.)
I would have thought there was something wrong with our data, or code...etc, but - it's the same data, the same code, and that's verified by the fact that it DOES return 1 row.
Below is my most recent $components array in the AppController:
public $components = array(
    'DebugKit.Toolbar',
    'Session',
    'Cookie',
    'Auth' => array(
        'loginRedirect' => array('controller' => 'dashboard', 'action' => 'index', 'admin'=>true),
        'logoutRedirect' => array('controller' => 'users', 'action' => 'login', 'admin'=>true)
    )
);

UPDATE:
According to our server guy, the server we're having the issue on is the only one with PECL intalled - when he removed it, the login worked.  (We need it on the server for other things - why/what would cause that to keep our login from working?)

A: Answer by Original Poster (me):
According to our server guy, "There are two ways to load PDO. The first is by using easyapache to install the PDO php extension. The second is by installing the PDO via PECL. It appears that the modules in question are different."
Apparently, this server had PECL on it instead of the normal easyapache PDO.  When he removed that, and restarted/reset it with the easyapache PDO, everything worked great.
So - sounds like CakePHP requires the "normal" PDO.
Mystery solved.

If you have PECL instead, you can use this workaround:

*

*Create a file "HpMysql.php" in your Datasource folder and add this code/class: https://github.com/lorenzo/HipHop/blob/master/Model/Datasource/Database/HpMysql.php

*Change your database.php 'datasource' to 'HpMysql'


On September 11, 2001, 19 Islamic Militants with the Islamic Terrorist group Al-Qaeda hijacked four airliners and carried out suicide attacks against targets in the United States. Two of the planes were flown into the towers of the World Trade Center in New York City, a third plane hit the Pentagon just outside Washington, D.C., and the fourth plane crashed in a field in Pennsylvania. Often referred to as 9/11, the attacks resulted in extensive death and destruction, triggering major U.S. initiatives to combat terrorism and defining the presidency of George W. Bush. Over 3,000 people were killed during the attacks in New York City and Washington, D.C., including more than 400 police officers and firefighters.
The attackers were Islamic terrorists from Saudi Arabia and several other Arab nations. Reportedly financed by Saudi fugitive Osama bin Laden's al-Qaeda terrorist organization, they were allegedly acting in retaliation for America's support of Israel, its involvement in the Persian Gulf War and its continued military presence in the Middle East. Some of the terrorists had lived in the United States for more than a year and had taken flying lessons at American commercial flight schools. Others had slipped into the country in the months before September 11 and acted as the "muscle" in the operation. The 19 terrorists easily smuggled box-cutters and knives through security at three East Coast airports and boarded four flights bound for California, chosen because the planes were loaded with fuel for the long transcontinental journey. Soon after takeoff, the terrorists commandeered the four planes and took the controls, transforming ordinary commuter jets into guided missiles.
As millions watched the events unfolding in New York, American Airlines Flight 77 circled over downtown Washington, D.C., and slammed into the west side of the Pentagon military headquarters at 9:45 a.m. Jet fuel from the Boeing 757 caused a devastating inferno that led to the structural collapse of a portion of the giant concrete building. All told, 125 military personnel and civilians were killed in the Pentagon, along with all 64 people aboard the airliner.
The passengers fought the four hijackers and are suspected to have attacked the cockpit with a fire extinguisher. The plane then flipped over and sped toward the ground at upwards of 500 miles per hour, crashing in a rural field in western Pennsylvania at 10:10 a.m. All 45 people aboard were killed. Its intended target is not known, but theories include the White House, the U.S. Capitol, the Camp David presidential retreat in Maryland or one of several nuclear power plants along the eastern seaboard.
Operation Enduring Freedom, the American-led international effort to oust the Taliban regime in Afghanistan and destroy Osama bin Laden's terrorist network based there, began on October 7. Within two months, U.S. forces had effectively removed the Taliban from operational power, but the war continued, as U.S. and coalition forces attempted to defeat a Taliban insurgency campaign based in neighboring Pakistan. Osama bin Laden, the mastermind behind the September 11th attacks, remained at large until May 2, 2011, when he was finally tracked down and killed by U.S. forces at a hideout in Abbottabad, Pakistan. In June 2011.


Mio Global is a globally-renowned innovation company that engineers fitness wearables to empower consumers with the data and insights to improve their training and health. A recognized pioneer in sport and fitness technology, Mio is known for its industry-leading heart rate monitor technology with distribution around the world. Mio offers a range of heart rate monitoring watches and wristbands including award-winning wearables such as Mio ALPHA 2, Mio FUSE, Mio LINK, and is launching breakthrough technologies this year including the PAI app and SLICE activity tracker. For more information, visit www.mioglobal.com.
WHAT WILL OUR COMMUNITY & SOCIAL MEDIA STRATEGIST DO?
Mio Global is seeking a new Community & Social Media Strategist to join its Marketing and Customer Service team and lead its social media and influencer marketing strategy. Reporting to the VP, Marketing, the Community & Social Media Strategist will fully understand our customer mindset and personas, and successfully connect with them online through creative content development and paid social media opportunities. You will apply your experience and expertise in building an influencer marketing program, working with bloggers and social media leaders and connectors to drive brand awareness and sales.
Developing a social media strategy, including managing a content calendar, and applying best practices in optimizing content and testing advertising campaigns for the various channels.
Developing influencer marketing strategy, identifying the most appropriate influential personalities for our target market and finding effective ways to engage them with our brand.
Growing our blogger network, driving product reviews and blog content on 3rd party sites as well as on our corporate blog.
Building strategic relationships with bloggers and social influencers as well as other brand partners to develop co-marketing promotional campaigns that will drive brand awareness.
Collaborating with the marketing team to ensure content is leveraged across channels and that it aligns with corporate objectives and sales initiatives.
Monitoring results through ongoing tracking and reporting of all campaign analytics, developing intelligence on what's most effective and continuously trying new approaches using the latest in paid placements.
Communicating a consistent brand voice and persona, building engaging content and experiences and giving consumers the feeling of belonging to a movement that they believe in.
A fast-based, entrepreneurial company, we are looking for someone who can spot original branding opportunities and can develop cutting-edge marketing strategies in the online marketing and social media space. You have a strategic mindset, yet also have an eye for detailed execution to ensure quality and consistency of our brand.
You must have done it before – We are looking for someone with a proven track record in establishing and growing online communities, building brand ambassador and influencer programs, developing brand engagement and building a loyal customer following.
You know what a high growth company needs – Having worked for other fast-growing global, consumer product companies for at least 3 years, you know what it takes to build a successful online brand.
You have the education – A solid foundation in marketing and/or communications strategy with a Bachelor's degree in a related field is required.
You look for opportunities to improve – Implementing new strategies is one thing. Being able to analyze and assess marketing activities and drive improvements in performance is a skill you need to have. You've got to know if what you're doing is working and have the numbers to back it up.
You have the basics – It goes without saying that you need to be a hard worker, are self-motivated to succeed, can work well with others, are organized, have good communication skills, and are generally a nice person to be around. You won't succeed here at Mio Global if you don't have these basics down pat.
You must be able to work in Canada – We are a BC-based company with our Head Office in Vancouver. You must be currently legally able to work in Canada.
WHAT WE OFFER OUR EMPLOYEES?
We work in a fun, casual collaborative office where employees are fitness and health oriented. The entrepreneurial spirit is alive and well in our Vancouver-based office. With our small office, you have the ability to have a big impact on our growing company and can truly drive and influence change. We are responsive to the market and have grand plans for growing our market share. With the right people on board, we are destined for tremendous success.


No matter how simple or intricate your beauty routine, beauty products are an investment, and how you spend your money in the $445 billion beauty industry makes a difference. Some companies test on animals, use toxic ingredients, and pay low wages to workers. Others pledge to operate without animal testing, source organic ingredients, pay fair wages, and otherwise strive to make the world a better place.


Applications from Consultants wishing to become Clinical Supervisors are always very welcome. It is not very burdensome and we want to do what we can to make it as easy as possible. This will give our trainees the best choice of trainers and the best trainers. You have the benefit of having a lively, engaged and stimulating trainee around.
Being a Clinical Supervisor (CS) means that you have a trainee placed with you, working in your team. We have two Educational Supervisors (ES), Dr Simon Gibbon and Dr Mary DiLustro. The ESs act more like mentors over the whole three years of training. The ESs are also CSs.
There is some paperwork to complete (see next paragraph) which is essentially a job description and timetable – we can fill in anything on the form which is not immediately obvious. There is also a GMC requirement that all clinical supervisors undertake Clinical Supervisor training. This is done online at http://www.e-lfh.org.uk/programmes/educational-and-clinical-supervisors/. This e-learning genuinely doesn't take long. Once complete, please email a copy of the certificate to elaine.hayes@nottshc.nhs.uk. You also need to have in-date Equality and Diversity training, but you will have this anyway as part of ongoing essential training with your Trust.
Simply complete the form available using this link (Clinical Supervisor Application form). Some of it has been pre-filled. The main information required is a timetable for yourself and the timetable a trainee placed with you would have. These should show good overlap between your clinical time as well as weekly supervision for an hour and a day for research and special interest for the trainee. A brief CV is also needed (no more than 2 pages). There is guidance here (Clinical Supervisor application guidance document) if needed, but the form is relatively self-explanatory and any questions that are not self-evident should be left blank. Please also provide a job description (your job description will do). The final requirement is for an outline of how the job will match the Intended Learning Outcomes. If you download this document (Intended Learning Outcomes ILOs for forensic psychiatry) and just add 2-3 lines for each outcome, about how the trainee can do this in your post, that would be great.
Please email to the form to nicholas.taylor@nottshc.nhs.uk once complete. I then fill in the section in the application form notes.
Once I have received the form, the proposed placement will be discussed at the next Higher Specialist Training Committee and then taken to the School of Psychiatry Board meeting. This process can take some time. Thank you for your support of the training scheme, your interest in becoming a clinical supervisor – and your patience!
Once you are approved, you just need to come to the occasional training committee meeting (dates are set 12 months in advance to make this as easy as possible) and update the job description as and when it changes. That's it.


Austin is a Vice-President at the Wealth Alliance Advisory Group. During his tenure in the financial services industry, which began with UBS Financial Services in 2014, he has focused almost exclusively on retirement plans. In this role, he is significantly involved in the ongoing education of participants. Before entering the financial services industry, Austin spent 10 years as an educator in two school districts and oversaw the online education of students via an independent curriculum provider. His academic career began at Fort Hays State University where he received a B.B.A. in finance with an emphasis in personal financial planning and a B.S. in business education. He also holds an M.S. in school leadership from Baker University. Austin currently holds the State of Kansas insurance licenses that enable him to recommend life and long-term care insurance as well as annuities. He also has passed the FINRA series 7 and the Uniform Combined State series 66 exams. He is an active member of his community volunteering for various organizations, his church, and coaching youth sports.


text:
How to Find an E*TRADE Financial Location Near You
By Danielle Smyth Updated September 10, 2021
Image Credit: EmirMemedovski/E+/GettyImages
ETRADE was founded back in 1982 and was one of the very first online brokerages in the U.S. Customers can access company services online, by phone, email and in-person at any one of their **30 different ETRADE offices*. These days, most clients carry out the transactions on computers and phones, but it is still good to know that there are brick-and-mortar ETRADE locations out there.
E*TRADE Locations
The E*TRADE branch locator lists all of these offices, but the top of the page notes that all of them are closed temporarily because of COVID-19. However, branch associates can still be reached by phone. There are eight California ETRADE offices: Brentwood, Costa Mesa, Cupertino, La Jola, Palo Alto, Roseville, San Francisco and Torrance. The three Florida ETRADE locations are in Orlando, Fort Lauderdale and Tampa. You can also find three in New York – in Garden City, on 42nd Street and in Rockefeller Plaza in New York City and in Scarsdale.
There are also two E*TRADE offices in Texas; these are in Dallas and Houston. Additional locations include Scottsdale, Arizona; Denver; Washington, D.C.; Atlanta; Boston and Chicago. The remaining offices are in Farmington Hills, Michigan; Edina, Minnesota; Morristown, New Jersey; Charlotte, North Carolina; Portland, Oregon; King of Prussia, Pennsylvania and Seattle, Washington.
What Does E*TRADE Charge for Services?
ETRADE offers a flat rate *$0 fee for all trades that do not use brokers. Regarding broker-assisted trades, there is a $25 fee tacked on to orders; when trading is done before and after market hours, an additional electronic communication network (ECN) fee of $.005 is added to each share. They also charge $6.95** for buying OTCBB/Pink Sheet stocks and penny stock trades.
ETRADE also handles mutual funds, and you will pay *$19.99 per trade plus additional fees when applicable. For options trades, they charge $0 + $.65 per contract, but this decreases to $0 + $.50 per contract when you make 30 or more** trades per quarter. Other percentages and fees are also charged, depending on the services you use.
Business Insider explains that ETRADE works well for people who trade often but cannot afford to pay high commissions or meet high minimum account sizes. It offers around 10,000 mutual funds and over 4,000 of these are no-load. ETRADE also has a robo-adviser platform that can help advise people who have as little as $500 to invest. Customers can buy and sell stocks, options, bonds, mutual funds and other products and can learn as they go.
What Else Does E*TRADE Offer?
Aside from offering brokerage accounts, ETRADE offers bank accounts and IRAs. Their ETRADE checking account is FDIC insured up to $250,000, requires no minimum balance or opening deposit and has no monthly account fees. It also features online bill pay, unlimited check and debit transactions and 0 percent APY. Their Max-Rate Checking has a 0.05 percent APY, and account holders must maintain an average $5,000 monthly balance to avoid a $15 fee.
ETRADE's premium savings account is FDIC-insured up to $1,250,000, with a 0.05 percent APY. It also does not require minimum opening deposits or balances. You can use it for real-time money transfers with your ETRADE accounts and, as with the checking accounts, it features an award-winning mobile app. You can also choose from three kinds of IRAs – traditional, Roth and rollover.
E*TRADE: Branch Locator
Stockbrokers.com: E*TRADE Fees & Features
Business Insider: E*TRADE review: Commission-free Trading and Automated Investing — Plus a Sign-up Bonus for Aew Accounts
Fidelity Investments: Good Choice for Young Investors?
How Much Money to Invest to Open an eTrade Account
How Does E-Trade Work?
How to Buy Stock in Walt Disney Co.
Citibank Wire Transfer Instructions
Cashing Out Stocks

redpajama_set_name: RedPajamaCommonCrawl


Today is International Stress Awareness Day. Halloween is over and it's time to start preparing for Thanksgiving. Before you know it, the holiday season will be in full swing and even the most optimistic, cheerful person may begin to feel stressed out.
We had the opportunity to get some really helpful tips from holistic physician and best-selling author, Dr. Bradley Nelson. You may be familiar with Dr. Nelson's book, The Emotion Code.
We really found his tips to be helpful to us and wanted to share some of his expertise with you — afterall, who can't relate to feelings of stress?
1. Plan ahead and be flexible about your expectations. Think about your plans for the upcoming holidays. Everyone else has expectations and sometimes they won't match with yours. Plan for spontaneity. If you allow the plans that others have to be a part of what brings you joy, you'll have more fun as everyone shares ideas and activities. Be the one who makes the holidays fun for others and it will be more joyful for you.
2. Be aware of what your body needs. This includes healthy food, plenty of water, rest and exercise. So don't throw your routines out the window when you're on vacation. Get plenty of exercise so you'll feel good. Continue eating healthy. You'll feel better about yourself if you're really taking care of your body!
3. Decide to take care of yourself emotionally. You may need specific things such as the emotional support of a spouse, a lunch date with a friend or even just some time alone. Decide how busy you want to be – or not be! Say "no" to trying to do too much if it interferes with your health, family time or if it feels like it'll cause too much stress for you.
Can drinking tea help to reduce stress?
Dr. Nelson touched upon the need to eat healthy foods and to drink lots of water. Let's discuss, though, how tea specifically, can help.
The ritual of drinking tea — whether it be a regular afternoon tea, tea before bedtime or while you read the morning paper — helps alleviate stress. Andy Puddicombe, mindfulness expert and co-founder of Headspace, shares that when you build a ritual around your tea drinking experience, you are promoting zen.
Brad Camp, CIP and founder of Breathe Life Healing Center, explains that drinking tea promotes a sense of calm because the aroma of the natural ingredients acts as a mood booster.
Which teas are best for stress relief?
You will likely feel more calm and less stressed after enjoying any flavor of tea. If you are not sure where to begin, try chamomile or peppermint.
There is some solid scientific research about the many benefits of chamomile tea when it comes to stress relief.
Peppermint tea is also believed to be a great stress reliever. In a study funded by NASA, the aroma of peppermint affected study volunteers who reported a 20 percent reduction in feelings of fatigue and anxiety.
We should note that it is important to source certified organic Peppermint that is grown in the USA. Our peppermint tea features domestic organic peppermint, which is sourced from a family herb farm where there is much care to insure the quality from growing, to harvesting to drying.
Pour yourself a cup of stress relief. Be well!
North American Journal of Psychology . 2009, Vol. 11 Issue 2, p245-256. 12p. 2 Charts, 1 Graph.
Great post! I always have a variety of teas on hand, both in the bag, and loose leaf!


text:
Carmen Electra Remembered The Time Michael Jordan Dragged Dennis Rodman Out Of Bed In Vegas
Robby KallandSenior Sports WriterTwitter
This week, Dennis Rodman takes center stage in The Last Dance, as episodes three and four explore the Bulls-Pistons rivalry of the late 80s and early 90s — years Rodman spent in Detroit — and how he ended up joining the Bulls for their second three-peat.
One of the central themes of the two episodes is how Rodman was always seeking acceptance and how he found that on the Bulls. He was respected and appreciated by Michael Jordan and Scottie Pippen for the dirty work he did on the court, and he found a coach in Phil Jackson that truly understood his personality, along with the fact that he had very different needs from his teammates .
The most famous example of this was a midseason vacation Jackson granted to Rodman to go to Las Vegas for 48 hours and blow off some steam after Pippen had returned to the lineup. Jordan warned Phil against such a decision, explaining that there was no chance Rodman would return on time, but Jackson gave Rodman the go ahead to hit Las Vegas.
The end of episode three and beginning of episode four tell the story of that trip, with Rodman's then-girlfriend Carmen Electra providing key eye-witness account of that trip and how it ended. Jordan is asked at the top of E4 if Rodman returned on time, and responds with this statement.
"Mmm-mmm. He didn't come back on time," Jordan said. "We had to go get his ass out of bed. And I'm not going to say what's in his bed, where he was, blah blah blah."
It's a bit disappointing that all these years later Jordan won't spill a little tea on what exactly went down, but luckily Carmen Electra was willing to fill in a little bit on how it went down in Las Vegas when Jordan came to drag Rodman out of bed.
Lmaooooo pic.twitter.com/rI7wKhzRX7
— Mickstape (@MickstapeShow) April 27, 2020
"There's a knock on the door. It's Michael Jordan, and, I hid," Carmen Electra said. "I just, I don't want him to see me like that. I'm hiding behind the couch with covers over me. 'Come on, we've got to get to practice.'"
I'm sure there was far more colorful language involved, but it is a very funny visual to imagine Jordan flying to Vegas, surely stopping at a blackjack table somewhere between the lobby and Dennis' hotel room, finding Dennis' room, and beating down the door until Rodman came back to Chicago with him, all while Carmen Electra hides behind a couch.
If there's one critique of The Last Dance it's that the participants still aren't quite as willing to really get into the weeds on certain stories 30 years later, but, to be clear, it's still been a phenomenal watch and hearing these stories, even ones we've heard or read before, from the people involved has been tremendous to watch.
Topics: #Carmen Electra, #Chicago Bulls, #Michael JordanTags: CARMEN ELECTRA, CHICAGO BULLS, DENNIS RODMAN, Michael Jordan, The Last Dance


Here are the head to head statistics for Swansea City v Sheffield United, after the latest meeting of the sides in a Championship game at the Liberty Stadium on 19 January 2019.
Interesting Fact: Current Swans defender and Blades fan Kyle Naughton actually played for Sheffield United in this game.
Why not take a look at the head to head statistics when the Swans have travelled to Sheffield United's Bramall Lane.


The amazing Aulora Pants with Kodenshi from Japan can now be purchased by the beautiful people of Brunei Darussalam.
Back in early 2018, a team of leaders from BE International Malaysia flew to Brunei to do a product sharing session with a few very entrepreneous Bruneian.
As a result of the sharing event, we now have business associates handling the Brunei market.
Yes, the Aulora Pants does help to reduce fat accumulation.
I know because I have been wearing the slimming leggings since December 2017.
In this article, I thought of sharing my personal experience wearing the pants.
Below are my "Before and after" pictures.
If you want to know what made me decide to buy the pants, you can read my story by clicking here.


Haq's Musings: Is Obama True Friend of Israel?
President-elect Barack H. Obama has finally broken his silence by expressing his "deep concern" about mounting civilian casualties as the carnage in Gaza has continued into the second week. He added he would have plenty more to say after he takes office on January 20, 2009.
Is Obama a true friend and a genuine ally of the state of Israel? This question was asked repeatedly during the presidential election campaign of 2008. As expected, each presidential candidate vied with the rest of the field to prove their credentials to AIPAC (American Israeli Public Affairs Committee aka the all powerful Israel lobby) by offering total and unconditional support to Israel. In fact, Obama went beyond all other candidates in this competition by declaring at an AIPAC conference, where all of the presidential hopefuls lined up to kowtow to the Israel lobby, that "Jerusalem will remain the capital of Israel, and it must remain undivided". "Let me be clear," he said, "Israel's security is sacrosanct. It is non-negotiable. The Palestinians need a state that is contiguous and cohesive and that allows them to prosper. But any agreement with the Palestinian people must preserve Israel's identity as a Jewish state, with secure, recognized and defensible borders. Jerusalem will remain the capital of Israel, and it must remain undivided," he added, in efforts to secure the Jewish vote. Later, Obama backtracked from his controversial statement about Jerusalem.
Let's examine seriously what it means to be a friend of Israel in practical terms. Does it mean slavishly echoing the positions of Israeli government and AIPAC without much thought? Or does it require the US to behave like a friend who tells Israel the truth, no matter how unpleasant, to help make life better for both Israel and the US in an increasingly enraged world?
Looking at the long, checkered history of America's involvement as Mid East peace broker, there have only been two American presidents who can claim any measure of tangible success: President Jimmy Carter and President George H.W. Bush, the father of the outgoing president George W. Bush. President Carter is credited with the Camp David Accord that resulted in peace between Israel and Egypt in 1970s, while President Bush Sr. initiated the Madrid Mideast Peace Conference in 1991 that led to Oslo accord in 1993. Since the mid-1990s, there has been no progress toward resolving any outstanding issues between Israelis and Palestinians. Neither Clinton nor Bush showed the kind of courage required to tell the Jewish state what they must do to reach a viable peace accord that allows both Israelis and Palestinians to live in peace side by side. Their rhetoric never really matched their actions. According to reliable sources, each proposal by Clinton and Bush Jr. was first shared with Israel, and only after its modifications and approval by Israel was it presented to the Palestinians. In every major or minor dispute, the US openly and vocally sided with Israel. Both Clinton and Bush took the easy way out by heaping scorn and criticism on the Palestinians and by failing to press the Israelis to make any substantial concessions, while Israel continued to build and grow settlements on Palestinian lands as facts-on-the-ground. In fact, it would be accurate to say that things have never been as bad as they are today. The worsening Mideast situation has been a boon for Al Qaeda and Taliban recruiting and it has fueled anti-American sentiments throughout the world, particularly the Muslim world.
What is it that former presidents Carter and Bush Sr. did that has been missing lately? In the words of former Israeli Foreign Minister Shlomo Ben-Ami who said in 2006 that Carter and Bush succeeded because they were "ready to confront Israel head-on and overlook the sensibilities of her friends in America." If Barack H. Obama is a true friend of Israel, he should be warning Israel about the danger of becoming an apartheid state, just as Carter has.
I suspect Obama will try and test how far he can push the Israelis to make concessions that are in their own best interest to reach durable peace in the Middle East. But he will have to deal with AIPAC, the extremely short-sighted and power-drunk Israeli lobby in America that has been the main obstacle to any real and meaningful progress toward peace in the Middle East. Ultimately, Obama will have to decide if he is willing to take the risk of becoming another one-term president, like Jimmy Carter and George H.W. Bush before him.
There are other unanswered questions. Among the first casualties of the Mumbai attacks were three top officials of the Anti-Terrorism Squad (ATS): Hemant Karkare, his deputy Vijay Salaskar and Ashok Kamte. Karkare had arrested several Indian military officers and Hindu priests for their involvement in the Malegaon attack of September 29 in which five persons were killed. Altogether 11 persons including a serving military officer, lieutenant colonel Srikant Prasad Purohit, were being interrogated by the ATS. Purohit was also implicated in the bombing of the Samjhota Express train in February 2007 in which 68 passengers, all of them Pakistanis, were killed. At that time, India had blamed Lashkar-e Taiba for the bombing. The ATS chief, Karkare, discovered that colonel Purohit had provided the RDX explosives used in the train attack. After these high profile arrests, Karkare was threatened by rightwing Hindu fascist organizations and political parties. Leading the attack were members of Shiv Sena, Abhinav Bharat, Sang Parivar and the opposition Bharatiya Janata Party (BJP). They denounced him as a traitor and accused him of pandering to Indian Muslims. Some of them even went so far as to say that regardless of what they do, Hindu nationalists cannot be wrong; they cannot be called terrorists since they are involved in "retributive justice" against India's Muslims, whom they brand as traitors. A day before his death on November 26, Karkare had received a death threat. He was warned that if he did not stop his investigation against the Hindu priests and Indian army officers, he would be eliminated. Who were these anonymous callers?
This is the wrong post to discuss Malagaon blasts..sorry 2 all..
Karkare according to media reports got death threat from IM-SIMI by phone not Hindu extremist elements(The reason for threat is ATS killing of many gangsters in D-gang..which is exclusively consists of Muslims..SIMI foot soldiers are mostly former or current members of criminal gangs).The trial hav not even started, so many theories are floating around in media w.r.t Malegaon blasts. The first responders in Mumbai are the special cell (ATS), so it is no surprise that the ill-equipped team with older-generation body armor(for 9mm pistol rounds) were wiped out by guys with naval commando training with assault rifles of AK-56 (7.62mm possibly with armor-piercing rounds).Usually commandos' ratio is 1:22, I think.So its no surprise that the well-trained guys who got nothing to loose held up 500 of special force teams.
Btw, regarding assuming Malageon blasts to be work of Islamists is natural since all terrorists operating in urban areas are of Jehadi origin. Ironically, the supposed grievance of Hindu groups was govt's "soft approach on terror" like not attacking Pak or not taking action against SIMI etc becoz of Muslim appeasement. Lt Col Purohit is one of Military Intelligence's top counter-terror experts. I personally sympathize with agenda of those Hindu terror group if they were indeed the ones who did it. But since they are caught now, they should be punished, everyone must be equal before law.
I agree that this is not the right forum to discuss the stage dram of Mumbai, but ask a question to yourself without giving the stats, who called MR Kurkure at that time that made him remove the helmet and thus becoming a soft target for the actors.
It might lead to the someone big and untouchable on the ladder in Indian hierarchy and you will solve the puzzle .
Regarding Obama, nothing much is expected as US of A is in a financial crunch and all the threads are in the hand of the zoinest state, mulactiUS of A is just a puppet so expect nothing concrete.
Ex-#Mossad Chief Says #Palestine Occupation Is #Israel's Only Existential Threat - Israel.
Former Mossad chief Tamir Pardo asserted on Tuesday that the Israeli occupation and the conflict with the Palestinians are the only existential threat facing Israel.
He said that despite the full withdrawal from Gaza, responsibility for the territory remains in Israel's hands. "Israel is responsible for the humanitarian situation, and this is the place with the biggest problem in the world today," he said.


We're at that time in our lives where we're the most aware about the importance of our health, and the importance of design in nourishing our lives. This resulted in a flurry of wonderfully simple products ranging from fitness devices, to thermostats, to air purifiers that not only fulfill their moral duty of keeping our lives healthy/comfortable, but also being visually in harmony with its objectives. We're much more likely to trust an air purifier that looks pure, rather than rely solely on reviews.
BRID (a twist on the word breathe), is an air purifier designed to look as clean as the air it releases. Simple, and almost meditative in the way it operates, its vertical design is reminiscent of stacked zen pebbles. Designed in three unique visual styles that echo this simplicity and effectiveness, the BRID has a fundamental yet highly innovative mode of operation. It pulls air from the base, and releases it from the top, and the filters sit in between. You can have a BRID comprising anywhere from 1 to 3 filters, depending on how large your space is, or how low the air quality is. Designed to be no bigger than an A4 sheet, the BRID is the only air purifier that doesn't need filter replacement. Its filters can be reused over and over again, courtesy a patented NanoCeramic Core that was 13 years in development. This filter can be simply cleaned under a running faucet and reused. It also doesn't produce Ozone, which most UV based purifiers do. As a result, BRID breaks down Carbon Monoxide, other air-borne pollutants (NO2,NOx, Aerosols), as well as attacking bacteria, and trapping allergens in a manner that is the safest for human breathing as well as for the environment.
BRID, or any purifier, is designed for the present and the future because the air we breathe now, is at perpetual risk (Yosemite, California has the worst Air Quality Index in America at a reading of 210). What BRID does is not just purify the air we breathe. It does so without increasing our consumption of resources by making sure we need and use only one filter. It's designed to be placed anywhere, including inside one's car, making sure that wherever it is you go, you only breathe the cleanest and purest air.


Meditation as Motivation: Intrinsic or Extrinsic?
Meditation purists might cringe at the notion of meditating for a tangible result other than inner peace or calm. But with age comes more practicality. Sometimes calm or the absence of upset is fine, but often the opposite of that is what's needed. In her fine and thoughtful book, Introvert Power: Why Your Inner Life Is Your Hidden Strength, author Laurie Helgoe makes a strong case for temperament on the introvert/extrovert spectrum. I build on that by saying that, depending on your temperament, circumstances, or blend of personality factors, intrinsic and extrinsic motivation are valuable for different reasons and results.
How does intrinsic motivation arise in meditation? Assuming we've already relaxed our body/mind/spirit the usual ways—breathing, letting go, etc.—we can direct our awareness to subtle or persistent thoughts, remnants of mind's activity. Tune into the ones that are vaguely unsettling. Should they be attended to before going for the calm? Sometimes there is an insight, a creative urge, or a must do nudge in an area of mundane life, like health or work. These are intrinsic motivators. We can act upon them now—as in the case of a burning house or heart attack—or later. We can jot down the "laters" in a notepad by our meditation seat, and then continue to meditate in peace.
How does extrinsic motivation work in meditation? As author Helgoe and others have stated, we are living in an extroverted culture. We are connecting with others when plugged into our electronic devices (however superficially), and spend less time engaged in deep introspection and quiet reflection. How many of us check our email or cell phone pings as we write? I believe that extrinsic motivation can lead us to the exhaustive collapse we call "meditation," usually at the end of a long day, often as a reward. We unwind and unplug to recharge from working so hard and caring for others. Meditating after strenuous feats, like mountain climbing or meeting a brutal deadline, is sublime. External motivation leads us to an internal process: restful, restorative meditation.
1.Start your practice the usual ways. Sit comfortably, close your eyes, and take a few deep breaths. Let go as best you can by watching your thoughts come and go.
2.If silence or stillness does not come upon you after some time, notice if a persistent thought or subtle sensation wants attention. Do not force yourself to let it go until you've sat with it for a bit. Let it speak, then let it go. If that fails, write it down and resume meditation. Feel yourself relax or become more still. Take a few deep breaths before coming out of meditation.
I'd love to hear your thoughts, intrinsically or extrinisically.
we can thank the author for your insight as to your itrovert diagnosis. Yes, power naps and in my case, meditations, can help defray the overload. Many things, like tele-seminars and media marathons, can put introvert brains on overload. Walks, bird or flower watching, also offset mid-day sleepiness, subconscious paralysis, and overload. Thanks Lia!
Introverts out there, please share!


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Each month we will try to bring to you straightforward examples of popular - and not so popular - games on the course; games that will make your rounds more challenging and fun to play. In this next installment of Game of the Month, we introduce a threesome game that requires a few props: 'Heads-Tails.'
Heads-Tails is a three person game where each player flips a coin at the beginning of every hole. Teams are formed based on the following combinations:
Three heads or three tails: Each player for themselves. The player with the lowest net score wins a point from each of the other two players. If two players tie for low score, there is 'no blood,' i.e. no points are won.
Two heads and one tail or vice versa: The lone tail (or head) plays against the other two players. If the lone player has the lowest net score on the hole, they win a point from each of the other two players. If either of the team members have the low net score, then the lone player must give each team member a point.
The following example illustrates the game:
Jack, Alex, and Andrew decide to play heads-tails. On the first tee each player flips a coin and all three coins land on heads. Thus, chacun pour soi and each players competes for himself. Jack has the low net score and wins a point from the other two players. After one hole Jack has 2 points, while Alex and Andrew each lose 1 point (for a total of -1 each).
On the second hole, each player flips again. This time Jack and Alex end up with heads, while Andrew's coin is tails. Jack and Alex team up to play against Andrew. Once again, Jack has the low net score and wins a point from Andrew. Even though Alex had the high net score, because he was on Jack's team, he wins a point from Andrew.
On the third hole, coins are once again flipped. This time Jack is the lone player against Alex and Andrew. Jack and Andrew tie for low net score on this hole, and no points are won or lost.


One of the biggest fighting game tournaments is Evolution Championship Series or EVO. The registration numbers for EVO 2019 and as no surprise, Super Smash Bros. Ultimate is sitting at first place.
Evo 2019 Registration Scoreboard April Edition!
The news comes from the President of EVO, Joey Cuellar who posted the above tweet onto his personal Twitter account. The tweet showcases the registration scoreboard for each of the respective games and what position they have fallen in from 1st - 9th. At this years EVO, Super Smash Bros. Ultimate is sitting at 1st place, with Tekken 7 at 2nd, Street Fighter V at 3rd, the soon to be released Mortal Kombat 11 at 4th and Under the Night In Birth at 5th.
Surprisingly, Bandai Namco's Dragon Ball FighterZ didn't make it into the top 5 despite it having the highest registration rate for EVO 2018. It should also be noted that Super Smash Bros for Wii U or Smash 4 has been retired for this years EVO, alongside Smash Bros. Melee. The registration will be available for EVO 2019 up until July 14th, the actual event for EVO 2019 will be held on August 2nd until August 4th at the Mandalay Bay.


I find great pleasure in Spanish cinema, which is one of the best, in my humble opinion, but I'm used to Almodóvar and his bizarreness and I never thought that I would be reviewing a Spanish horror movie because they simply don't appeal to me. However, when I think back at the scariest horror movies I've ever seen, a Spanish one comes to mind – The Devil's Backbone or El Espinazo del Diablo, as it is originally called.
The Devil's Backbone is about a 12-year-old boy Carlos who arrives to an orphanage after his father died in the Spanish Civil War. The orphanage is run by Dr. Casares and his wife Carmen who has a love affair with the janitor, the violent Jacinto whose main objective is to steal the key of the safe where Dr. Casares hides gold that is used to support the Republicans. Carlos, the 12-year-old orphan is a regular kid at the orphanage and he does everything he can to try to fit in despite the bullying he is going through. One day he feels the presence of the ghost of a former resident at the orphanage who keeps returning to Carlos several times a day and he sends him some creepy messages that turn out to be true.
As I said, it is one of the scariest movies I have ever seen not only because of the ghost (but mostly because of the ghost!) but because it is filled with fear, terror, war, destruction and violence. And maybe the ghost isn't as scary as the greedy and horrible individuals that run the orphanage because a ghost of a boy can't hurt anyone – his life is over and he doesn't exist in the same way the living and the truly dangerous people do.
I watched this movie for the first time in a Spanish class in high school and I was creeped out to the point where I felt like crying and I remember going all "HOLY GUACAMOLE!" at the last scene of the movie, as it has a little twist that is even creepier. I am not a fan of the horror genre because even writing about a horror movie scares the sh*t out of me, but I must say that The Devil's Backbone is a very good movie because it's not just about the ghost story – it's about the war and its impact. Guillermo del Toro did a brilliant job with this movie that will never NOT be scary no matter how many times you watch it.
The Devil's Backbone gets 4 out of 5 clapperboards for great story, symbolics and acting, but sometimes you can't help but feel that it is a tad overblown. Nevertheless, if you like horror movies, this one won't disappoint you!


Welcome to St. Joseph's Villa!
St. Joseph's Villa is one of Ontario's largest and most innovative long term care homes. Located in historic downtown Dundas, we are proud to be the second largest organization in the St. Joseph's Health System. Continuing the mission and legacy of the Sisters of St. Joseph of Hamilton, we are proud to serve our community.
St. Joseph's Villa is a leader in compassionate care.
From long-term care for seniors and the most vulnerable, to convalescent care for those recovering from surgery, to respite care to support caregivers and families, to hospice care for patients and families facing a life-limiting illness, St. Joseph's Villa has been caring for our community for nearly 140 years.
St. Joseph's Villa is a vibrant community hub.
We offer an interactive year-round Adult Day Program, specialized medical clinics open to the community, a Seniors in Motion (SIM) Gym for those over 55 years of age who are looking to stay active. We have a therapeutic community pool with classes for all ages.
St. Joseph's Villa offers luxury retirement living, as part of our campus.
St. Joseph's Estates offers independent retirement living and accommodations for those over age 55 and St. John Vianney Residence extends condo style living for 8 retired priests in partnership with the Diocese of Hamilton.
St. Joseph's Villa is a strong community partner.
We are proud to inspire future generations of health care practitioners through student co-op placements, volunteer opportunities and project-based learning and research.
We are committed to providing the best resident and family centred care for your family.


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Miami University Oxford, Ohio est. 1809 College of Arts and Science
Support CAS
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Institute for the Environment and Sustainability
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University News & Events
Get ready for RecycleMania 2020
Help Miami get back in the game and be a leader in campus recycling when RecycleMania 2020 kicks off February 2. The competition — during which schools compete to recycle the most during the eight-week tournament period — celebrates its 20th year and hundreds of millions of pounds of waste recycled …
Polar deserts could provide first look at climate change effects in Antarctica
Miami University microbiologist Rachael Morgan-Kiss is one of dozens of scientists who have been investigating an Antarctic polar desert's ecosystems through the McMurdo Long Term Ecological Research (MCM LTER) project …
Alumni Career Panel informs students on prospective careers in geology, geography, environmental science, and more
On November 11, the Institute for the Environment and Sustainability (IES), the Department of Geography, and the Department of Geology and Environmental Earth Science held the 4th annual Alumni Career Networking Event to provide current student majors insight and advice on preparing for life after they graduate from Miami …
Microbiology faculty provide rich research opportunities in the health sciences for undergrads
The Department of Microbiology offers numerous research opportunities to undergraduates looking for experiences outside the classroom that will expand their knowledge and lab skills …
Jill Korach honored for global impact in environmental education
For her work in 16 countries, Miami University's Jill Korach received the 2019 award for Outstanding Service to Environmental Education by the North American Association for Environmental Education …
Sierra Club names Miami one of top 100 "Coolest Schools" in green colleges ranking
Miami University is 70th among the Sierra Club's "Coolest Schools" 2019 ranking for the greenest colleges. Miami is the top Ohio public university on the list of 282 schools based on food, energy, waste, research, transportation, and curriculum …
Zoologist Kay Holekamp gives enlightening insight into hyenas for the 45th annual Hefner Lecture
Kay Holekamp, director of Michigan State University's interdisciplinary program in Ecology, Evolutionary Biology & Behavior, was invited to Miami to discuss her work with hyenas in honor of the Hefner Museum of Natural History's 45th annual lecture. The presentation, "A Hyena's Tale," was held in Benton Hall on November 7 …
Moving off steam: Utility Master Plan provides a path toward carbon neutrality
Just 9 years ago nearly all of Miami University's Oxford campus buildings were heated by carbon-intensive steam. Today, just under half (49%) of those buildings are heated by steam. The physical facilities' energy systems office, directed by Doug Hammerle, has done more in 2018-2019 than in any other year on conversions of energy systems throughout campus. These conversions have reduced energy use and energy costs, and increased energy efficiency …
Zero Waste Oxford: Student organization fights local pollution and promotes sustainability
An organization founded by Miami students has become increasingly influential in combatting the effects of climate change on campus. Zero Waste Oxford is focused on the idea of zero waste living, a lifestyle that minimizes individual pollution, members believe this is one of the best ways humanity can take concrete steps towards fixing climate change …
Miami's Geospatial Analysis Center enables students to launch their careers by tackling professional, client-based projects
The Geospatial Analysis Center (GAC), housed inside Shideler Hall, is an umbrella for all things geospatial at Miami, encompassing any questions in which you might ask "Where?" It comes down to where things are and how they interact with other things around them …
Oxford Empty Bowls goes green this year with a near zero-waste initiative
Oxford Empty Bowls has been a fixture in the community for many years, but this year it will be a near zero-waste event, with items that are reusable, recyclable and compostable …
How does avian decline affect the Midwest?
Deforestation. Agriculture. Nutrient deficiency. Birds across the country are facing huge challenges to survival. Dave Russell, Miami University associate teaching professor and master bird bander, is working to change that through his research at the Hueston Woods State Park–Avian Research and Education Institute Bird Banding Station …
What's in a number? Let's start with 10
The November 7-8 Department of Statistics anniversary program includes workshops, networking for students and alumni, and a live broadcast of the Stats + Stories podcast. Guests on recent episodes have discussed "Using stats to improve your League of Legends game," data and democracy, forensic science, sports, and more …
Students from around the country conduct research at Miami
They ventured from Iowa, North Carolina, Puerto Rico and other communities to study at Miami University during the summer as part of the NSF-funded Research Experience for Undergraduates (REU) program. They all gained valuable research experiences, connections and the thrill of scientific adventure …
25 years of ecosystem research on Acton Lake supported by NSF
A team of Miami University scientists, led by Mike Vanni, professor of biology, received its fourth National Science Foundation Long Term Research in Environmental Biology (NSF LTREB) grant in support of long-term research at Acton Lake, a reservoir in Oxford, Ohio. The LTREB grant provides $634,999 over the next 5 years for Vanni and his research team. It is the only LTREB project currently funded in Ohio …
Miami professors want art to help change the way climate change is discussed
Miami University professors are reaching out to the community to change the way climate change is discussed. Shafkat Khan, a professor in Miami's Dragonfly program, founded Engaging for Climate in Oxford (ECO). He teamed up with Katie Feilen and Amy Sullivan of Project Dragonfly, Shara Clark of the department of media, journalism and film and Stephanie Danker of the art department …
Commitment to green building: 29 LEED Gold or Silver with 4 newly certified buildings
Four buildings at Miami University have been recently certified as LEED (Leadership in Energy and Environmental Design) Gold or Silver rated. Miami's LEED-certified buildings now total 29: four LEED Gold and 25 LEED Silver. They account for 28.3% of the gross square footage of buildings on the Oxford campus …
Discover the Sciences allows prospective students to see their goals as a reality
Nearly 350 prospective students and their families gathered into Benton Hall for the College of Arts and Science's annual Discover the Sciences event on Saturday, September 21. Discover the Sciences is a university event to attract potential students who want to focus their studies in math and science …
Gina McCarthy inspires younger generation with message of hope
On Friday, September 13, Miami's Institute for the Environment and Sustainability (IES) kicked off its celebration of 50 years at the university with a keynote lecture from former US Environmental Protection Agency (USEPA) administrator Gina McCarthy …
Miami University consumes half the energy of peer schools
With efforts that began more than a decade ago, Miami University has reached several energy milestones. The cumulative effect is that Miami consumes half the electric and fossil fuel of its private and public peers …
Bahamas Mapathon volunteers aid in Hurricane Dorian relief
Miami University's Bahamas Mapathon drew about 100 students and faculty to help in the recovery efforts. The department of geography and its Geospatial Analysis Center held the event after Hurricane Dorian devastated the islands. Ancilleno "Leno" Davis, (Miami PhD '18) who works in the Bahamas, connected through Skype …
Celebrating 50 years: Before there was an EPA, there was Miami's Institute for the Environment and Sustainability
Miami University's Institute for the Environment and Sustainability (IES) celebrates the 50th anniversary of its founding this year. A series of events headlined by Gina McCarthy, administrator of the U.S. Environmental Protection Agency from 2013-2017, will be held September 13-15 …
Summer reading follow-up: Sustainability action resources for students
How to get involved with sustainability at Miami …
Eye-catching exhibit reveals the unseen
Science and art converge at Miami's Center for Advanced Microscopy and Imaging …
Institute for the Environment & Sustainability
The Institute for the Environment & Sustainability (IES), in the College of Arts & Science, educates students as professionals and global citizens through interdisciplinary programs in environmental science and sustainability, and provides leadership in areas of research and outreach that address environmental problems and promote a more sustainable society. The IES administers 3 undergraduate co-majors, 1 minor, and 1 professional master's degree.
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ies@MiamiOH.edu


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Estonia to Extend Restriction on Opening Direct Air Routes
Ozgur Tore
The government decided to extend the restriction on opening direct air routes from Estonia to countries with a high-risk number of daily new cases of coronavirus until the end of August.
"During the past weeks, we have seen a spike in daily new cases of coronavirus in many foreign countries. This is why we decided to prolong the restriction until the end of August, which also better allows the airline companies to plan their next steps," said Minister of Economic Affairs and Infrastructure Taavi Aas.
The Ministry of Economic Affairs and Communications bases the admission and prohibition of destination countries on the morbidity rate of other countries, which must be 25 or fewer people per 100,000 inhabitants during the last 14 days to open the route. The Ministry reviews the epidemiological situation in the countries of destination regularly and opens or restricts the opening of routes according to the spread of the virus.
"The European Union has also given its recommendations on opening airlines with third countries. Some member states abide by them, some don't. I believe we should be careful, in light of recent spikes in the daily numbers. In a lot of countries, for example in Ukraine, the situation is slowly getting better, but opening a connection might be a bit hasty," added Aas.
As of July 24, it is prohibited to open direct flights from Estonia between Luxembourg, Romania, Bulgaria, Sweden, Portugal, Spain, Croatia and Russia. At the same time, the opening of routes also depends on the rules of the destination country itself. As in Estonia, there are restrictions on entering the country in other countries, which should be taken into account when planning your trip.
The restriction is valid from May 18 to August 31, during which the Ministry of Economic Affairs and Communications, in co-operation with the Estonian Health Board, will assess the further necessity of the restriction. You can find the information about specific countries and their cumulative number of coronavirus infections per 100,000 population during the last 14 days HERE.
Six Airlines that Fly to Estonia
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The Istanbul Airport Museum Is Opened
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Turkey, Saudi Arabia, Jordan, Eritrea and Yemen refused to allow dual-registration Russian planes through their airspace to Egypt. Russian carriers took a desperate step and asked Rosavia to lift the ban on flights...
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Quite often, holidaymakers, travelers, and business people will experience layovers as they fly between countries. Layovers can be as short as 30 minutes, or as long as 24 hours for international flights. Layovers can...


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US Feds Give Huawei and ZTE the Boot
by Lucian Armasu August 14, 2018 at 4:26 PM - Source: U.S. Congress
Huawei P20 ProPresident Donald Trump today signed the new National Defense Authorization Act (NDAA) for 2019, which includes a ban against government agencies using devices or electronic components sold primarily by Chinese firms Huawei and ZTE.
NDAA 2019 Bans Government Use Of Huawei, ZTE
The 2019 NDAA bill bans U.S. federal agencies from using anything from Huawei or ZTE that is a "substantial or essential component of any system," as well as any technology that is used to route or view user data.
The ban doesn't cover just Huawei and ZTE, but other Chinese telecommunications hardware makers, such as Hytera Communications, Hangzhou Hikvision Digital Technology Company and Dahua Technology Company. Because the ban on Huawei and ZTE components could prove to be a major disruption to some agencies that relied on the cheaper Chinese technology, the bill also allocates funds for the agencies and companies that need bigger budgets in order to replace all the necessary components.
The Senate Wanted More
Recently, ZTE suffered a crisis in the U.S. when the Department of Commerce issued a ban against U.S. companies purchasing devices or components from the state-owned Chinese company. The Department of Commerce issued the ban primarily because ZTE was ignoring the sanctions against Iran and other countries.
This ban, which many thought could have killed the company, was quickly reverted once President Trump intervened. However, ZTE still had to pay $1 billion in fines for its past transgressions, as well as put $400 million into an escrow account in case it repeats the same violations in the near future.
However, both the U.S. House and Senate didn't think the fine was enough, so they re-included their own versions of the ban in amendments to the 2019 NDAA. The Senate wanted a complete ban on all Huawei and ZTE devices sold into the country, while the House wanted to ban only federal agencies from using the Chinese devices. The Senate dropped its version of the bill and went with the House version instead.
U.S. federal agencies will have to replace all devices and components from Huawei, ZTE and the other Chinese companies mentioned in the bill over the next two years until the ban fully goes into effect.
Civil Rights Group Wants to Ban Feds From Using Facial Recognition
The US Decides Huawei's Cool After All
Google Defends Huawei, Facebook Cuts Access to Pre-Installed Apps
China Could Force Huawei to Hand Over Data, Say Experts
Lucian Armasu @lucian_armasu
Lucian Armasu is a Contributing Writer for Tom's Hardware US. He covers software news and the issues surrounding privacy and security.
t.s.wiacek
That's good for US companies like Qualcomm, but is there enough supply to meet the demand? Can the US companies manufacture everything in-house?
Karadjgne
Why in-house? There's always Mexico.
techy1966
The only problem I have with the US thinking they are the all mighty of everything is that it affects people in other countries as well such as Canada. I do not want to have to pay more for my stuff just because the USA is having a hissing fit with China. I was thinking Mr Trump would be good for the USA because he had some fairly ok ideas. The problem I see now is he thinks running a country is like running a large corporate company. This is not the case and if he makes bad calls it not only affects millions of people in his own country but it also affects millions of people in countries like Canada he is almost as bad as our own prime minister which is actually a real douche bag and at least 80% of us can not wait to oust his butt in 2019.
JamesSneed
You lost me at "I was thinking Mr Trump would be good for the USA because he had some fairly ok ideas." Trust me your prime minister is a lovely guy in comparison.
dudmont
The market will sort this out just fine. I very much doubt what's south of your border will have anything more than a marginal impact on the prices you pay for your next phone. Further, I would bet money that sometime in the near future, auction sites will have some Chinese Telecom equipment up for auction.
While I think the my government is too big, has it's hands in too many pies, uses resources very poorly, and generally doesn't do a very good job at anything, I very much think this is a wise move. What did Lenin say about capitalism? "They'd sell us the rope we use to hang them"? I've come to think that doing business with China is very similar to Lenin's thoughts. How we deal with China needs to be rethought, and fast, and that's not just for the US. China's ambition's extend globally.
mlee 2500
I wouldn't be so sure about that...allot of those companies use Qualcomm's Snapdragon and modem chips (Qualcomm doesn't make actual devices themself), and this action may drive the federal agencies to platforms which use Samsung Xynos or Apples own in-house processors and possibly Intel modems. Not to mention drive those Chinese device makers to use mediatek or other chinese silicon in their own domestic market (but, frankly, they were probably headed that direction anyway).
UPDATE: Yep, just as I suspected.... https://www.reuters.com/article/us-china-zte-qualcomm-analysis/u-s-strike-on-chinas-zte-another-blow-for-qualcomm-idUSKBN1HO0XT That's a dated link, but it shows how much of Qualcomm's business is dependent on Hauwei and others mentioned.
dhayric
FBI director Wray publicly stated that the greatest threat to America is not Russia but rather Chinese espionage. This is a good move. China has never been our friend and slid their way into the WTO by pretending to be an innocent third world country while masking their nefarious intentions.
coolitic
Article title is misleading
Yet it's funny the only country caught with his hand in the proverbial cookie jar is the US. Guess they'd know how to spy on others... Mean while ill just enjoy my cheap FTTH broadband in Europe, with a Huawei ONT.
gggplaya
I wouldn't be so sure about that...allot of those companies use Qualcomm's Snapdragon and modem chips (Qualcomm doesn't make actual devices themself), and this action may drive the federal agencies to platforms which use Samsung Xynos or Apples own in-house processors and possibly Intel modems. Not to mention drive those Chinese device makers to use mediatek or other chinese silicon in their own domestic market (but, frankly, they were probably headed that direction anyway). UPDATE: Yep, just as I suspected.... https://www.reuters.com/article/us-china-zte-qualcomm-analysis/u-s-strike-on-chinas-zte-another-blow-for-qualcomm-idUSKBN1HO0XT That's a dated link, but it shows how much of Qualcomm's business is dependent on Hauwei and others mentioned.
No No No, that link is a hypothetical, a wrong one at that since ZTE mostly sells cheap sub $100 and sub $200 phones. So for them to quote an average chipset price from qualcomm of $25 is a bit off since the snapdragon 400 series fetches more like $8-$15. But I digress because after this hypothetical article, we did resume allowing sales of ZTE phones in the U.S. with caveats. With the current bill in this article, the ban is only limited to the U.S. government, which I doubt uses very many ZTE and Huwawei phones to begin with. Heck, even my company gives us older name brand phones from Apple and Samsung, like currently the Iphone 6s and Galaxy S7. ZTE mostly caters to the cheap pre-paid celluar market, so a total U.S. ban would decimate them for sure, but I don't think a government ban will. A government ban shouldn't affect your prices in CANADA at all.
BigD1
ZTE was selling to Iran and other countries that have sanctions. Market share LoL.
You can read, but comprehend what you read before opening pie hole.
You missed the point. You're probably right about Government purchases of ZTE & Huwaei being small, and amounting to statistical noise in regards to Qualcomm revenue, but the point I was countering was the comment that this policy action was "Good for Qualcomm". It is not, and using your own example, Qualcomm will make only licensing money if the government moves to Apple phones (especially with Intel modems), or to non-snapdragon varieties of Samsung handsets.
In either case, the even greater risk is Chinese retaliatory action against Qualcomm's interests because of this policy. They already made Qualcomm's acquisition of NXP a casualty of politics (that's a fact regardless of how you may feel about that acquisition), and it's naive to believe that won't happen again under the current tariff climate. So, YES, this action by the government against Chinese handset makers is not "Good new" for Qualcomm.
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'Every lead being followed in tracing robber, who killed Kabega Park mother'
SAPS Eastern Cape Provincial Commissioner, Lieutenant General Liziwe Ntshinga, has expressed her shock at the brutal killing of a young mother after a suspected robber entered her home in Brymore in Kabega Park home on Wednesday afternoon.
"It is alleged that at about 12:35, the woman (26) was at home with her one-month-old baby girl when the suspect entered the house.
"The victim's fiancé (34) arrived home and confronted the attacker in the bedroom," said police spokesperson, Capt Johan Rheeder.
"A scuffle ensued between them, however the attacker managed to flee. The woman sustained stab wounds to her neck and arm and was lying on the bedroom floor. She succumbed to her injuries.
"The domestic worker was allegedly locked in the bathroom by the suspect."
He said that the child was not harmed.
"There appear[ed] to be no force entry into the house... Police are investigating a case of murder and robbery."
Lieutenant General Ntshinga has indicated that an extensive search for the suspect is currently underway.
"We have video footage and an apt description of the suspect. We appeal to the community to assist us in tracing this suspect and to report any suspicious person to the police.
"We guarantee that every information will be followed up. We cannot allow ruthless criminals to enter our premises and attack innocent people. They must be arrested and placed behind prison bars. We extend our condolences to the family of this young mother and assure the community that we will do everything in our power to apprehend the perpetrator," added Lt Gen Ntshinga.


Source: Working Paper, "The First Housing Bubble? House Prices and Turnover in Amsterdam, 1582-1810," Matthijs Korevaar, 2018.
The author used house sale registration records that still exist of Amsterdam homes sold hundreds of years ago to construct a home price index along the lines of today's Case-Shiller Home Price Index. The quality of the price index is best after 1625.
the 1713-1750 cycle has at least some elements that make it a contender for the title of 'earliest documented housing bubble'.
The Great Real Estate Bubble in the United States is often attributed to crazy mortgage lenders. The craziness was exemplified at the peak when some lenders fought to sell more "Liars Loans" to borrowers who didn't even have to prove they had the income to pay back the loans.
In Amsterdam in the 1600s and 1700s, mortgages were uncommon but Amsterdam saw three large real estate bubbles. How did house prices boom in pre-modern Amsterdam without having a crazy mortgage industry pumping out more and more money to chase homes?
The author's theory relates to the three main types of investments Dutch investors had at that time — stocks, government bonds, and real estate.
The Dutch government had a series of faraway wars in the 1600s and into the 1700s. The government paid for the decades of wars, in part, by selling bonds to Dutch investors. When Dutch investors in Dutch government bonds received their interest payments, they would often use the money to simply buy more government bonds. The government bonds were apparently the "safe asset" of the day.
After several decades of increasing borrowing, however, the Dutch government debt had become so large (roughly 200% of GDP by the early 1700s) that the government was struggling to pay all that interest to all those investors. The Dutch government had to cut back on issuing new government bonds.
When the government stopped issuing new government bonds, many Dutch investors shifted to investing the interest they earned on their government bonds into real estate since there weren't any new government bonds to invest in, anymore.
The takeaway from this part of the story is that it doesn't matter where the increase in the money chasing homes comes from. Whether the increase is caused by 18th-century Dutch investors shifting money into real estate, or crazy 21st-century American mortgage companies lending to anyone with a pulse, or modern Chinese investors looking for safe foreign investments outside the reach of their government; it doesn't matter so much why there's more money chasing houses, it only matters that more money is chasing homes.
This all comes back to the fact that the supply of houses increases extremely slowly. Extremely inelastic (and immobile) supply make house prices behave differently than other products.
If the price of wheat increases 10%, you're likely to see a significant increase in the supply of wheat within a year or two. Houses aren't like that. The supply of houses in the U.S., for example, is so inelastic it increases more slowly than the supply of gold globally, and unlike gold, houses can't be shipped around the world to wherever demand is greatest.
Given the natural inelasticity of the supply of houses, you could say real estate booms and busts are natural. Real estate bubbles are nothing new.
Which brings us to the next major similarity between modern real estate bubbles and the bubbles in Amsterdam 200-400 years ago — speculation and upward price momentum.
The study found significant price momentum effects, that is, that higher prices, in and of themselves, can cause additional higher prices.
I'll cover what the study found about house price momentum in a future post.


Penny Pritzker, a businesswoman for more than twenty years, is an entrepreneur, civic leader and philanthropist. She's chairman of the board of TransUnion and Pritzker Realty Group as well as chair and co-founder of Vi, The Parking Spot and Artemis Real Estate Partners.
TransUnion is a global financial information company which is expanding internationally to help countries build credit economics to fuel growth. Pritzker Realty Group invests in non-hotel real estate and developed the award winning Hyatt Center in Chicago's Loop. Vi is a leading developer and operator of lifestyle communities that enrich the lives of older adults. The Parking Spot manages off-site airport parking facilities. Launched in 2010, Artemis Real Estate Partners is a private equity, real estate investment manager.
Ms. Pritzker is a member of the President's Economic Recovery Advisory Board which formulates and evaluates economic policy for the Obama Administration. She was National Finance Chair of the Barack Obama for President campaign and co-chair of the 2009 Presidential Inaugural Committee.
She serves on the board of Hyatt Hotels Corporation. She's a past board member of the William Wrigley Jr. Company, Marmon Group and LaSalle Bank Corporation.
Much of Ms. Pritzker's civic work focuses on improving public education. She's chairman of the Chicago Public Education Fund which is a venture philanthropy that raises private equity to invest in creating sustainable improvements in Chicago's public schools. She and her husband, Dr. Bryan Traubert, through their Pritzker Traubert Family Foundation, fund innovative initiatives to improve the quality of education for schoolchildren. And, she's a member of the Civic Committee of the Commercial Club of Chicago.
She's sits on the board of the Council on Foreign Relations, is an advisory board member of the Brookings Institution's Hamilton Project, is a former chairman of the board of the Museum of Contemporary Art in Chicago and a former member of the Harvard University Board of Overseers.


June | 2015 | YesBiscuit!
A friend of Cheatham Co ACO Darrell Hooper reportedly tried to adopt a stray Doberman at the pound but was turned away. The potential adopter was told the dog was being held for a rescue group. A Doberman rescue in Knoxville is said to have pulled the dog from the pound for free and sold her for $300.
The heated argument ended with ACO Hooper punching the director. He has since resigned and publicly apologized. But he still wants the county to change its protocols regarding rescue groups.
The local news contacted the director who declined to be interviewed. They also contacted the rescue group and a representative told them they would have been happy to pay the $50 fee Cheatham Co normally charges to adopters but nobody asked them for any money.
On the one hand, breed rescues offer a valuable service. They understand the breeds they rescue better than most and that may help them to make more successful matches between dogs and adopters. A breed rescue would be better equipped to handle special needs cases of their given breed since they have the expertise and resources and ideally might be more motivated to make the investment.
On the other hand, it's hard to justify a stray dog being left to sit in a pound while an adopter is turned away. Assuming the dog faced no extreme challenges (e.g. a legally designated "dangerous dog") and the adopter was just as qualified as the average adopter at the pound, why leave the dog in the cage to take up space needed by other homeless pets and to potentially get sick?
Cheatham County Animal Control is a county government run facility that receives nearly 2200 animals a year with room to house only 50 at a time. Only four staff members clean, feed, treat, bathe, intake, answer phone, and make onsite calls for: at large, cruelty, neglect, and all other issues. The staff also works to save every animal possible with limited resources. Cheatham County is over 360 square miles and is filled with unwanted animals. Our county compliance on vaccinations, spay/neuter, and safety of animals is low. We are leading our staff and our community toward a culture change – which will take time…time our animals do not always have on their side.
It sounds like the Cheatham Co pound could use all the empty cages it can get, like most municipal facilities. But if ACO Hooper's allegations are accurate, the pound may be keeping cages filled unnecessarily with "high value" dogs and puppies by holding them for rescues. Are other pets, particularly those whom no group could expect to sell for $300, being killed by Cheatham Co in order to make space for the white-and-fluffies being held for rescue groups?
All shelter pets have the right to live, regardless of their resale value. Is anyone in Cheatham Co advocating for the right of all the animals in the shelter to live, political ramifications be damned? There seems to be a need.
This is just for fun and the only rule is: no researching. Post your guesses in the comments. Reading other people's answers before posting your own is interpretive jiggery-pokery optional. Answer will be posted in the comments tonight.
An Exmore man who tipped off Accomack County Animal Control officers about poor living conditions of 15 dogs at a rural Onancock residence now is asking the state to shut down the facility where they were taken.
Jim Mason submitted a petition to the state veterinarian and the commissioner of agriculture and consumer services on June 8, asking them to close the Eastern Shore Regional Animal Control Facility in Melfa because it lacks air conditioning and an outdoor exercise area, among other issues.
The dogs, several of whom have whelped litters since being seized, have been held at the pound in connection with an ongoing court case for many months. They are allegedly being denied exercise and socialization.
Additionally, the inspector said not all animals euthanized at the facility were sedated beforehand.
"The shelter is in very, very good hands," Supervisor Robert Crockett said.
Also: all county pounds "have to" kill animals (which will undoubtedly come as a shock to the many no kill shelters operating in municipalities all over the country) and the state inspector only dinged Eastern Shore on the recent report because of pressure from pesky activists. And the offer of free air conditioning from a local SPCA is now being put on hold by the county because reasons. Seems legit.
We invite you to take a look at all our listed animals.To us, they all deserve the recognition as "featured".
Petfinder has zero animals listed for Eastern Shore.
It's too hot to keep my tongue sorted.


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Term Shoes
Extraordinary Experience As A Vacationer: Seeing London's Historical Sites
London – with its bustling shops full of various items and also busy freeways full of people strolling by and also vehicles speeding quick, none would ever before visualize that it is just one of the oldest cities in the west. It's about 2000 years old and also proceeding at a fast pace.
The Romans started this city on 47 A.D. In the past, London was called Londinium and also functioned as a significant trade facility given that it was near to the river Thames. It's really lucky that although the Roman Realm fell, London really did not decrease with it.
Currently, London houses a few of one of the most well preserved historical websites that every person should see. Stay with me since I will certainly be speaking about my experience as a vacationer in the city with the help of a London escort.
Sights of the Tower of London
On postcards, the image of the Tower of London isn't really excellent. However, it's really majestic when seen one-on-one. The castle walls are in excellent condition and also its style is impressive. The building and construction of the domes is well thought out and also the castle home windows, though looking straightforward, follow a pattern that could be tough to accomplish during that time.
According to my traveling have a London companion, the London Tower was constructed by William the Conqueror after beating the initial Londoners in a collection of fights and also rising to power. It was constructed to be durable given that it was supposed to be a sanctuary for the nobles in case battle or disobedience breaks out. As we visited, I observed that it has several access points that act as strategic locations for its protectors.
In the past, the Tower of London houses the worthy's treasures, experienced implementations and also torture, and also other events. Currently, the Tower is now a historical website gone to by countless vacationers.
My see right here was fascinating. I got to hang around and also talk with the Yeoman Warders who offered me a great deal of information concerning what life inside the Tower of London was like in the past. I likewise got to feed ravens that are remarkably tame. Last but not least, I was mesmerized by the beauty of the paintings, furnishings, and also other items that are kept inside the tower.
I also got to wear a Yeoman Warder uniform given that my escort recognizes among them.
Seeing The Church of St. Bartholomew the Great
The Church of St. Bartholomew the Great is located at Smithfield. It's in close proximity to the Tower of London. From the tower, driving right here will just take 8 minutes considering that you follow the direct route.
The Great St. Bart's has a cozy feeling. Throughout the day, sunshine seeps through its interior giving a divine radiance inside. At night, the area doesn't look creepy given that the mix of led lights and also candle light lights offers this area an welcoming feeling.
I was really impressed with this church's flooring. The floor tiles follow a semi-mosaic layout which could be a great ideas for those preparing to restore their residence's flooring.
Via my escort's links, I had the ability to meet the clergymans that carry out the church. According to the administrators, the church still holds masses yet regretfully, locals aren't really keen on participating in sermons. Consequently, the area is essentially empty without vacationers.
Despite having this, priests still persist to maintain the area going. This church was the setting for various flicks such as _ Robin Hood: Prince of Thieves, Shakespeare Crazy, etc. _ It likewise holds a few of one of the most vital celebration events for vital figures in the city. That stated, this church is virtually part of London's previous and also existing.
Going To Baker Road
My browse through to London would not be full without going to baker street. The reason for this is straightforward, I'm a massive fan of Sherlock Holmes and also there's no better way to appreciate it better than going to the area where a lot of its events happened.
Nearly all the locations where Watson and also Holmes frequented while speaking about various instances are found right here. I was really lucky that I have an escort with me since I had the ability to locate the certain locations featured in the book that really did exist. I also got to go to a Sherlock Holmes gallery where all items related to the fictional character might be seen.
Individual Comments
My browse through to London was worthwhile because of the historical locations that I checked out which include their own advantages. However, besides this, my Woking Escorts played a wonderful part. Without my escort, it would have been impossible for me to meet vital numbers and also do exclusive stuff.
In my viewpoint, you should go with an escort if you're unqualified grouped scenic tours. Companions are as accomodating as tour guides and also will certainly offer you the enjoyable truths of various locations that you go to. However, an advantage of companions is that they can better accommodate your demands.
Preparation to go to London yet don't know which positions to go to? Employ a https://acesexyescorts.com/croydon-escorts/ and also your journey will certainly be wonderful.
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Haiku D'etat, which literally means a "poetry takeover", is a suiting name for the convergence of three of L.A.'s most gifted MCs: Aceyalone and Mikah 9 of Freestyle Fellowship, along with Abstract Rude. On their sophomore album, Coup De Theatre (Decon/Project Blowed), these representatives of L.A.'s world-renowned Project Blowed crew continue to deliver their open mic night-esque poetics over a cool collection of jazzy production, courtesy of Fat Jack and others. While not quite as spontaneous and potent as the Freestyle Fellowship's classics, To Whom It May Concern and Inner City Griots, this album is undoubtedly a respectable continuance of Project Blowed's clout.
In respect to the Project Blowed's initial open-mic sessions ten years ago at L.A.'s now legendary Good Life Café, the oft live-feel of Haiku D'etat's Hip-hop certainly seems to carry on the impulsive and unadulterated spirit of the Project Blowdians. This is especially true on "Transitions and Eras" (featuring Busdriver). Here, these Angelinos dub themselves the "sons of cool" as the sounds of a standup bass, piano and drums create the laidback, lounge-like mood. While more eerie than soothing, the title track, "Coup De Theatre," carries a similar, unpredictable spoken word quality that is likely to induce a feeling of watching these three MCs in a intimate and smoky venue located on a hard-to-find side street. Even if certain tracks sound more calculated than others, their jazz, poetry and soul-injected Hip-hop remains alluring throughout.
Whether Acey, Mikah and Ab Rude are showing us exactly why you shouldn't take your loved ones for granted ("All Good Things") or declaring their immense capabilities on the mic ("Top Qualified"), they continue to serve as a positive contrast to the major label exploited, stereotypical gangsterisms of West Coast rap. On the album's official closing cut, "Built 2 Last," they describe their unbreakable foundation as being like Run-DMC: "tougher than leather." With over ten years of unwavering self-expression engrained deep into the history of left field Hip-hop, this album is proof that Haiku D'etat and their greater Project Blowed camaraderie aren't going anywhere. Thus, any Hip-hopper who can appreciate reliable yet unpredictable music will find something to take out of Coup De Theatre.


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Tags: Lebanon | Gulf
Lebanon Seeks Dialogue with Saudi Arabia Despite New Tension
by SARAH EL DEEB Wednesday, 03 November 2021 01:00 PM
BEIRUT (AP) — Lebanon on Wednesday sought a dialogue with Saudi Arabia to resolve an unprecedented diplomatic rift over a Lebanese Cabinet minister's comments, even as new reasons for tension emerged.
The spat unfolded over statements by the Lebanese Information minister aired last week about the war in Yemen, which Lebanese officials have said do not represent official government views.
Riyadh angrily recalled its ambassador and asked the Lebanese envoy to leave. It also banned Lebanese imports, undermining the small nation's foreign trade and depriving it of millions of dollars while it is deep in an economic crisis.
Gulf countries have joined Saudi Arabia in pulling out their diplomats, sharpening the diplomatic slap.
Despite the calls for mediation and dialogue, there is no sign of the crisis letting up.
Instead, new reasons for tension emerged, following leaks by a Saudi paper in which the Lebanese foreign minister, apparently in off-the-cuff remarks to Lebanese reporters, said drug smuggling out of Lebanon would not have happened if there was no market in Saudi Arabia.
The comments, apparently made at the outset of the crisis, were interpreted by Saudi media as an endorsement of the smuggling, which had been another reason for the tension with Lebanon.
Since the crisis, Foreign Minister Abdallah Bouhabib in comments to the press had said Riyadh is being too harsh on Lebanon. He did not deny the leaked comments Wednesday in a statement, but said he had wished the Saudi paper would have helped in resolving the crisis "instead of publishing partial and wrong narratives" that only complicate matters.
In separate comments following a meeting with Lebanon's President Michel Aoun Wednesday, Bouhabib said any problems between Lebanon and Saudi Arabia should be resolved through dialogue. He added that Lebanon, which is going through one of the world's worst economic meltdowns, is looking for support from its neighbors to overcome "the difficult circumstances it is going through" and the hardship its people are facing.
"We are certain that joint Arab interests will overrule what happened in the last few days and there will be no spilling of oil over the fire," Bouhabib said.
He also appealed to Saudi Arabia and Gulf countries to respect Lebanon's freedom of expression and democracy, which he said are not intended to harm relations with Lebanon's neighbors and friendly nations.
Meanwhile, the Lebanese minister of information at the center of the crisis, George Kordahi, has refused to apologize or step down, saying his remarks about the Yemen war, which were recorded before he took the post in September, were not meant to offend.
At the heart of the crisis is Saudi Arabia's frustration with the growing role of the Iran-backed Shiite group Hezbollah in Lebanon. Riyadh is locked into a regional power rivalry with Tehran, which it accuses of backing the Houthi rebels in Yemen along its borders. Over the years, Saudi Arabia, once a close ally, it has lost its influence and clout in Lebanon.
Lebanon on Wednesday sought a dialogue with Saudi Arabia to resolve an unprecedented diplomatic rift over a Lebanese Cabinet minister's comments, even as new reasons for tension emerged. The spat unfolded over statements by the Lebanese Information minister aired last week...
Lebanon,Gulf
Wednesday, 03 November 2021 01:00 PM


You're considering life insurance but don't know much about it yet – here are ten interesting life insurance facts that might surprise you as you think about whether life insurance is the right decision for you and your family.
Every year, LIMRA (a worldwide research organization for the financial services industry) highlights the value of life insurance, because of how it can change a family's financial journey. Ladder can make it incredibly easy to get basic coverage in place.
1. 19 million Americans get stuck in the life insurance process.
You're not alone if you've been stalling out on getting life insurance in place. Traditionally, the meetings and medical work associated with getting life insurance — all the research and follow-ups — cause people to fall off the track during the process. According to LIMRA, around 19 million Americans get stuck figuring out life insurance. They are trapped in limbo and are likely unprepared should there be a tragedy. Ladder can help you get insured in minutes, not weeks.
2. A $16 trillion life insurance gap exists in the US.
Because so many people get stuck in the life insurance process, or only take the minimum life insurance available through work, there is a $16 trillion dollar life insurance coverage gap in the US, according to LIMRA. That's a lot of coverage left unassigned when you think about families' needs to protect their ecosystem's financial well-being.
3. Only 48% of employers offer life insurance. Does yours?
When it comes to getting life insurance through work, LIMRA stated in 2017 that only 48% of employers offer it, meaning the majority of Americans have to figure out life insurance on their own. It's important to remember that many employers only offer life insurance that covers a few times an employee's salary, and many people find they need much more than that to cover their family adequately. Furthermore, you don't take your work-provided life insurance with you when you leave a company, which can leave you unprotected if you leave a job unexpectedly.
4. 50 million US households want more of it.
LIMRA highlights that 50 million American households recognize they need more life insurance. The struggle is jumping through all the research and hoops required to get coverage in place. A smarter, time-efficient solution for figuring out life insurance and getting it in place quickly (sometimes immediately) is where companies like Ladder can help families get enough coverage to protect their loved ones.
5. Consumers largely overestimate how much life insurance costs.
Most consumers estimate the cost of coverage to be more than three times its actual cost, according to LIMRA. Among millennials almost half overestimate the cost at five times what they would actually need to spend. One of the top reasons people do not buy life insurance is they think it's too expensive, but misconceptions about price are common. With Ladder, you can apply online in minutes to get a no-obligation decision and see what your price might be. If you are healthy and under 35 years old, you could get life insurance for less than $20 per month.
6. 40% of Americans admit they don't know much about life insurance.
When it comes to life insurance, most Americans acknowledge they are not experts. In fact, LIMRA estimates that 40% of people do not know how much coverage they need and what type of life insurance to buy. 60% of millennials feel this way. At Ladder, we feel term life insurance is the most attractive option for most families and we make it easy for you to figure out what you need with our online calculator and quick online application process. Life is busy, you shouldn't have to add "become a life insurance expert" to your to-do list.
Our last four stats are specific to Ladder, how we make life insurance easier, and why we believe in the importance of life insurance.
7. 60% of our customers get life insurance on their smartphone.
We built a life insurance process for the modern world. People can access Ladder on the web or from their phones to complete an application and get an instant decision. In fact, 60% of our customers interact with us on their smartphones – no computer necessary. No commissioned agents, no paperwork, no hassle.
8. 55% of our customers figure out life insurance during their downtime.
With Ladder, you don't have to schedule meetings and talk to someone during business hours to figure out life insurance. In fact, we find that 55% of our customers get life insurance outside of 9am – 5pm. They do it whenever it's convenient for them, whether that's early in the morning over coffee, or after the kids are in bed.
9. 11 years old is old enough to recognize the value of life insurance.
Jamie, our CEO, lost his dad when he was 11. The life insurance policy his dad had in place ensured that he, his brother and their mom could stay in their house, supported by their community during a difficult time in their lives. It also ensured that he and his brother could go to college. Jamie's dad's legacy is that he provided financially for his sons and wife, even after he was gone. Jamie founded Ladder to make it easier for more American families to get the coverage they need for their families – quickly and easily before it falls off of their "to-do" lists.
10. 4.5 minutes can change the rest of someone's life.
Life insurance is one of those things people tend to put off because the process has been painful. At Ladder, the fastest a customer has gone from starting an application to taking an offer is 4.5 minutes. So, in less than five minutes, you could check life insurance off of your list and ensure that your loved ones will have financial security — and live the life you wanted for them — if something unexpected happens and you are no longer there to take care of them.
So if life insurance is something you've been debating, or meaning to check off your list, visit us at ladderlife.com today. We're always glad to help!