While renters now outnumber homeowners in 29 of the 50 largest U.S. cities, owners still are the majority here.
In the wake of the housing market collapse a decade ago, more Americans are renting rather than owning homes, according to a report released last week by real estate data firm Zillow.
The study shows the percentage of renters rose from 2006 through 2016 in all 50 of the largest U.S. cities, including Jacksonville.
However, while renters outnumber homeowners in 29 of those 50 cities, Jacksonville remains a city where homeownership is the majority, according to Zillow.
The percentage of renters in Jacksonville was steady from 2000 to 2006, increasing from 36.8 percent to just 37 percent.
But the percentage of renters in the city began rising in 2008, peaking at 44.4 percent in 2014.
The rate edged lower the next two years but was still at 43.4 percent in 2016, the last year for which data is available, Zillow said. That was 6.4 percentage points higher than 2006.
The percentage of renters is lower in Northeast Florida outside of the city. Zillow said the rate for all of the Jacksonville metropolitan area was 35.4 percent in 2016, 3.1 points higher than in 2006.
Nationally, the renter rate declined from 32.5 percent in 2000 to 31.1 percent in 2006, but it rose 5.2 points over the next decade to 36.3 percent.
As expected, the rental percentage is high in the largest U.S. cities where real estate is expensive. Renters make up 68 percent of New York residents and 64.1 percent of those in Los Angeles.
But it's a Florida city, Miami, at the top of the list with a renter rate of 69.9 percent in 2016.
Virginia Beach had the smallest percentage of renters among the 50 largest cities at 37.8 percent.
"The share of U.S. households that rent surged in the wake of the Great Recession, as millions of families were foreclosed upon and younger adults either chose to or had no choice but to rent for longer," Zillow senior economist Aaron Terrazas said in a news release.
"Some of this shift is attributable to lifestyle choices, including young adults delaying marriage and starting families, and a strong preference for living in urban cores where renting is often more convenient and financially feasible," he said.
Homeownership among young adults is rising again, but it will take a long time for ownership to get back to its prerecession levels, Terrazas said.
A 2017 report by Zillow said having money for a down payment is a major barrier for homeownership for millennials. They also find it more difficult to qualify for a loan.
Zillow's data shows cities with large percentages of renters also have some of the highest rents.
The median U.S. monthly rent was $1,440 in June 2018, but many of the majority renter cities have rents above $2,000.
San Francisco, with a renter percentage of 62.1 percent in 2016, has the highest current median rent at $4,219 a month.
Jacksonville's median rent is below the national level at $1,193.


text:
Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages
Rizwan C. Naeem, S. Singer, J. A. Fletcher
An unusual hematologic neoplasia has been described recently in which the predominant clinical features include T-cell lymphoma, myeloid hyperplasia, and eosinophilia. The multilineage involvement in this disorder suggests transformation of a primitive stem cell. Abnormal karyotypes have been described in three such cases, including one case with t(8;13)(p11.2;q12) and a second case with t(8;13)(p23;q14). We report translocation of chromosomes 8 and 13 in lymph node karyotypes from two patients with this syndrome. Fluorescence in situ hybridization confirmed an identical translocation, t(8;13)(p11;q11-12), in lymphoma cells from each patient. The translocation breakpoints are of particular interest because the FLT3 receptor tyrosine kinase gene has been mapped to 13q12. FLT3 is expressed highly in hematopoietic progenitor cells and in myeloid and lymphoid acute leukemias.
Genes Chromosomes and Cancer
https://doi.org/10.1002/gcc.2870120210
Cell Lineage
Abnormal Karyotype
T-Cell Lymphoma
Eosinophilia
Receptor Protein-Tyrosine Kinases
Hematopoietic Stem Cells
Fluorescence In Situ Hybridization
Precursor Cell Lymphoblastic Leukemia-Lymphoma
Naeem, R. C., Singer, S., & Fletcher, J. A. (1995). Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages. Genes Chromosomes and Cancer, 12(2), 148-151. https://doi.org/10.1002/gcc.2870120210
Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages. / Naeem, Rizwan C.; Singer, S.; Fletcher, J. A.
In: Genes Chromosomes and Cancer, Vol. 12, No. 2, 1995, p. 148-151.
Naeem, RC, Singer, S & Fletcher, JA 1995, 'Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages', Genes Chromosomes and Cancer, vol. 12, no. 2, pp. 148-151. https://doi.org/10.1002/gcc.2870120210
Naeem RC, Singer S, Fletcher JA. Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages. Genes Chromosomes and Cancer. 1995;12(2):148-151. https://doi.org/10.1002/gcc.2870120210
Naeem, Rizwan C. ; Singer, S. ; Fletcher, J. A. / Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages. In: Genes Chromosomes and Cancer. 1995 ; Vol. 12, No. 2. pp. 148-151.
@article{1295115ade8743d9bc50743469d33748,
title = "Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages",
abstract = "An unusual hematologic neoplasia has been described recently in which the predominant clinical features include T-cell lymphoma, myeloid hyperplasia, and eosinophilia. The multilineage involvement in this disorder suggests transformation of a primitive stem cell. Abnormal karyotypes have been described in three such cases, including one case with t(8;13)(p11.2;q12) and a second case with t(8;13)(p23;q14). We report translocation of chromosomes 8 and 13 in lymph node karyotypes from two patients with this syndrome. Fluorescence in situ hybridization confirmed an identical translocation, t(8;13)(p11;q11-12), in lymphoma cells from each patient. The translocation breakpoints are of particular interest because the FLT3 receptor tyrosine kinase gene has been mapped to 13q12. FLT3 is expressed highly in hematopoietic progenitor cells and in myeloid and lymphoid acute leukemias.",
author = "Naeem, {Rizwan C.} and S. Singer and Fletcher, {J. A.}",
doi = "10.1002/gcc.2870120210",
journal = "Genes Chromosomes and Cancer",
T1 - Translocation t(8;13)(p11;q11-12) in stem cell leukemia/lymphoma of T- cell and myeloid lineages
AU - Naeem, Rizwan C.
AU - Singer, S.
AU - Fletcher, J. A.
N2 - An unusual hematologic neoplasia has been described recently in which the predominant clinical features include T-cell lymphoma, myeloid hyperplasia, and eosinophilia. The multilineage involvement in this disorder suggests transformation of a primitive stem cell. Abnormal karyotypes have been described in three such cases, including one case with t(8;13)(p11.2;q12) and a second case with t(8;13)(p23;q14). We report translocation of chromosomes 8 and 13 in lymph node karyotypes from two patients with this syndrome. Fluorescence in situ hybridization confirmed an identical translocation, t(8;13)(p11;q11-12), in lymphoma cells from each patient. The translocation breakpoints are of particular interest because the FLT3 receptor tyrosine kinase gene has been mapped to 13q12. FLT3 is expressed highly in hematopoietic progenitor cells and in myeloid and lymphoid acute leukemias.
AB - An unusual hematologic neoplasia has been described recently in which the predominant clinical features include T-cell lymphoma, myeloid hyperplasia, and eosinophilia. The multilineage involvement in this disorder suggests transformation of a primitive stem cell. Abnormal karyotypes have been described in three such cases, including one case with t(8;13)(p11.2;q12) and a second case with t(8;13)(p23;q14). We report translocation of chromosomes 8 and 13 in lymph node karyotypes from two patients with this syndrome. Fluorescence in situ hybridization confirmed an identical translocation, t(8;13)(p11;q11-12), in lymphoma cells from each patient. The translocation breakpoints are of particular interest because the FLT3 receptor tyrosine kinase gene has been mapped to 13q12. FLT3 is expressed highly in hematopoietic progenitor cells and in myeloid and lymphoid acute leukemias.
U2 - 10.1002/gcc.2870120210
DO - 10.1002/gcc.2870120210
JO - Genes Chromosomes and Cancer
JF - Genes Chromosomes and Cancer
10.1002/gcc.2870120210

redpajama_set_name: RedPajamaCommonCrawl


If you have been reading this blog for any length you will know we are big fans of Faile's work. We were delighted last week when we heard that they were having a show here in London.
FAILE is an international collective of artists, famed for their striking iconography and unique style of layered and collaged paintings that find their source in pop culture and comic books. They are widely acknowledged as some of the early pioneers in the contemporary street art movement, and since forming in the late 90s, FAILE has since exhibited in galleries across the world, from Tokyo and Shanghai, to Berlin and Copenhagen and all over the USA. From Brooklyn with Love is FAILE's first solo show in the UK, and follows the success of their exhibits in the group show, Spank The Monkey at Baltic in Gateshead last year..
From Brooklyn With Love will present new sculptures and new largescale paintings including the beautiful 'It Happens Everyday', 2007: pictured above, an Acrylic & Silkscreen canvas.
The show is taking place at LAZARIDES Gallery, No 8, Greek Street, Soho, London. From Brooklyn With Love will open to the public at 12 noon on Friday 9th March and the show will run until 7 April 2007.
is there a launch party for this?
For a show this big I imagine there will be.


Image courtesy of Good luck trying to get a warranty repair out of these guys.
Good luck trying to get a warranty repair out of these guys.
Luxottica may be the world's largest eyeglass manufacturer and the owner of brands like Ray-Ban and Oakley, along with retail chains like LensCrafter, Sunglass Hut, and Pearle Vision. But you'd probably get better customer service from the guy on the corner selling knock-offs for $5.
Consumerist reader Chris (not me, I swear) says he had only had his new Ray-Bans about seven months when the frame suddenly broke while he went to put his glasses on. Since the damage wasn't due to any abuse on his part, he thought he'd just get them repaired under warranty and he'd have a working pair back in no-time flat.
That was the last time anyone from Luxottica contacted him.
Since then, he's made repeated attempts to call the company, never with good results.
It's not even that Chris is being told news he doesn't want to hear. He simply can't get anyone on the phone.
Two later attempts to contact Luxottica also resulted in 10-15 minute holds that turned into hang-ups without ever having his issue addressed.
He finally did get a hold of someone, only to be told that he'd be required to pay 50% of the retail cost to have his glasses replaced. Chris requested that his issue be escalated, but has never heard back from anyone at Luxottica about that request.
Now that Luxottica has had his glasses for a full two months, Chris has written the company and made several further attempts to reach warranty repair by phone. Just today, he says he's wasted a total of two hours on hold without ever speaking to a human.
Chris' complaints echo that of this reader from 2010. It looks like Luxottica hasn't gotten any better at customer service in the years since.
We'll be sending Chris' story to Luxottica's media contacts, but we expect we'll get about as timely a response as he has with his warranty repair.
you get a deal and you get a deal and you get a deal!
If The Deal Never Ends, Is It Really A Deal?
Next What Information Can Retailers Store When They Scan Your ID For Returns?
Next Up: What Information Can Retailers Store When They Scan Your ID For Returns?


text:
Q: How do I get a state variable from child to parent? I am learning React.
I have Component structure like this -

index.js
import React from "react";
import Button from "./Button/Button"

export default function Index() {

  return (
    <>
    <Button />

Value of flag in Index.js = {}

    </>
  );
}

Button.js
import React, { useState } from "react";
import "./button.css";

export default function Button(props) {
  const [flag, setFlag] = useState(true);
  const clickHandler = () => {
      setFlag(!flag);
  };

  return (

        Value of flag in Button.js = {flag.toString()}

  );
}

My question is "How do I get flag value from Button.js to index.js" ? (child to parent).

A: 1) You can lift state in parent component and pass state and handler as a prop to children.
Note: This is will work because you need flag in the JSX, But if you will pass event handler as a prop in the child component then you have to invoke the handler to get the value. So Either lift the state or use Redux
Live Demo

App.js
const App = () => {
    const [flag, setFlag] = useState( true );
    return (
        <>
            <Button flag={flag} setFlag={setFlag} />

Value of flag in Index.js = { flag.toString() }

        </>
    );
};

Button.js
export default function Button({ flag, setFlag }) {

    const clickHandler = () => {
        setFlag(oldFlag => !oldFlag);
    };

    return (

            Value of flag in Button.js = {flag.toString()}

    );
}

2) You can pass handler as a prop in child component as shown in the Harsh Patel answer
3) You can use state management tool i.e. Redux.

A: You can send a value by method, refer to this:
index.js
import React from "react";
import Button from "./Button/Button"

export default function Index() {

  let getFlagValue = (flag) => {
    //here you'll get a flag value
    console.log(flag)
  }

  return (
    <>
    <Button sendFlagValue=(getFlagValue)/>

Value of flag in Index.js = {}

    </>
  );
}

Button.js
import React, { useState } from "react";
import "./button.css";

export default function Button(sendFlagValue) {
  const [flag, setFlag] = useState(true);
  const clickHandler = () => {
      setFlag(!flag);
      sendFlagValue(flag)
  };

  return (

        Value of flag in Button.js = {flag.toString()}

  );
}

A: There are two types state:

*

*global state for all

*private state for component

For starter, you must obey some policies, not try abuse state, otherwise you will have some troubles.
For global STATE, you can use Redux or dva or umijs.
For private STATE, you seems already known.

redpajama_set_name: RedPajamaStackExchange


Social Finance releases 'Social Impact Bond: The Early Years' white paper.
Social Finance has launched its seminal report covering the progress of the social impact bond market over the last 6 years.
A number of new impact investing products are in the Australian marketplace raising funds to tackle different social and environmental challenges.


The chain decided against carrying Gemperle eggs because "it is of utmost importance that all of our vendors abide by industry-established animal care practices," Trader Joe's spokeswoman Alison Mochizuki said.
Raley's plans to continue to carry all eggs from NuCal, but "does not condone any acts of cruelty to animals," said spokeswoman Nicole Townsend. A SaveMart Supermarkets spokeswoman did not immediately return calls seeking comment.


Bee's knees technology Taking their cue from nature, engineers have built a camera using stretchable electronics that scans the world like a fly's compound eye with a wide field of view and no distortion.
The digital device, which has a multitude of tiny, pliable lenses like those found in ant, beetle, and lobster eyes, also allows for a near-infinite depth of field and high motion sensitivity, the team behind the innovation writes in the journal Nature.
"We've figured out ways to make cameras that incorporate all of the essential design features of eyes found in the insect world," says study co-author Professor John Rogers of the University of Illinois.
"The result is a new type of camera that offers exceptionally wide-angle fields of view (nearly 180 degrees) with zero aberrations and uniform illumination intensity."
Most classical cameras mimic the working of the animal eye: light reflected off an object passes through the lens that bends and focuses the light on to the retina at the back of the organ, where nerve cells convert it into electric impulses sent to the brain, which produces an image.
These single-lens systems have a limited field of view, but insects and other species with eyes composed of multiple units called ommatidia enjoy panoramic vision.
"Nature has developed and refined these concepts over the course of billions of years of evolution," says Rogers.
Conventional single, wide-angle camera lenses, like fish-eye lenses, distort images on the periphery because of a mismatch between the light entering through a bent lens surface only to be captured on a flat detector.
Most electronics used in detectors are made of a brittle silicon that cannot be bent.
For their camera, the team created stretchable electronics to build a detector that can be curved into the same hemispherical shape as the lens - eliminating distortion.
The camera, about 1.5 centimetres in diameter, has 180 miniature lenses, each with its own detector, similar to the number found in fire ant and bark beetle eyes.
Dragonflies have about 28,000 lenses and worker ants about 100.
The electronics and lenses are both flat when manufactured allowing them to be made with existing methods.
"This is the key to our technology," co-author Jianliang Xiao, electrical engineering assistant professor at the University of Colorado in Boulder, says. "We can fabricate an electronic system that is compatible with current technology. Then we can scale it up."
The technology could be useful in surveillance cameras or endoscope imaging, says Rogers.
But commercialisation is some way off, as a useful camera would likely need millions of lens-detector combination units requiring much investment into manufacturing capacity.
In an accompanying commentary also published in Nature, Professor Alexander Borst and Dr Johannes Plett from the Max Planck Institute of Neurobiology suggest the device has potential as a visual sensor for tiny aircraft called micro aerial vehicles (MAVs).
"Picture the following: a palm-sized MAV uses an artificial faceted eye to navigate autonomously through a collapsed building while other sensors on board scan the environment for smoke, radioactivity or even people trapped beneath rubble and debris," they write.
"Although these MAVs do not exist yet, thanks to devices such as that reported they should come within reach in the foreseeable future."
Use these social-bookmarking links to share Bug-eyed about new camera technology.


text:
Singing Machine Achieves $17.4 Million in Revenue; Generates $0.7 Million in Net Income for the Second Quarter
November 22, 2021 07:00 ET | Source: The Singing Machine Company, Inc.
Fort Lauderdale, FL, Nov. 22, 2021 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX: SMDM) – the worldwide leader in consumer karaoke products –...
Singing Machine Announces Strategy to Uplist to A Major Exchange
Fort Lauderdale, FL, Nov. 01, 2021 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX: SMDM) -- the North American leader in consumer karaoke products,...
Singing Machine Announces Complete Stock Repurchase of Former Majority Shareholder
August 17, 2021 08:00 ET | Source: The Singing Machine Company, Inc.
Transaction Positions the Company to Move Forward with Strategic Refocus on New Products, Transformative Technology Applications and Recurring Revenue Model Fort Lauderdale, FL, Aug. 17, 2021 ...
Singing Machine Announces 98% Increase in First Quarter Revenues
Continued Strong Demand for Industry Leading Product Fort Lauderdale, FL, Aug. 16, 2021 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX:...
Singing Machine Announces 19% Revenue Growth, $0.06 Earnings Per Share in Full Year Fiscal 2021 Results
July 14, 2021 08:36 ET | Source: The Singing Machine Company, Inc.
Fort Lauderdale, FL, July 14, 2021 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX: SMDM) – the worldwide leader in consumer karaoke products –...
Singing Machine to Present at 13th Annual LD Micro Main Event Investor Conference
December 11, 2020 09:00 ET | Source: The Singing Machine Company, Inc.
Fort Lauderdale, FL, Dec. 11, 2020 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX: SMDM) – the worldwide leader in consumer karaoke products –...
Singing Machine Announces First Quarter 2021 Earnings Report
Fort Lauderdale, FL, Aug. 19, 2020 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX: SMDM) – the worldwide leader in consumer karaoke products –...
Singing Machine Reports Fiscal 2020 Annual Earnings Report
Carpool Karaoke Microphone is the New Hot Item for the Summer
Summer's must-have Microphone goes viral on TikTok Fort Lauderdale, FL, July 20, 2020 (GLOBE NEWSWIRE) -- The Singing Machine Company, Inc. ("Singing Machine" or the "Company") (OTCQX: SMDM)...
Stingray and Singing Machine Release Update to the Karaoke Mobile App for iOS
June 12, 2018 09:00 ET | Source: The Singing Machine Company, Inc.
New features include a weekly in-app subscription, curated party mixes, and song queue Montreal, Quebec and Fort Lauderdale, FL. , June 12, 2018 (GLOBE NEWSWIRE) -- The Singing Machine Company,...


text:
Mississippi Highway 178 (MS 178), or simply "Old 78", is a  east-west state highway across the northern portion of the state of Mississippi. It is the former alignment of U.S. Route 78 (US 78), used from the 1940s until the 1990s. With the exception of a break at the Tennessee-Tombigbee Waterway in Fulton, MS 178 is a complete route from Memphis, Tennessee, to the Alabama state line.

Route description

MS 178 begins at the Tennessee state line in DeSoto County, with the road continuing northwest into the city of Memphis as Old Highway 78. It heads southeast as a two-lane highway to pass through the community of Mineral Wells before entering the city of Olive Branch and passing under the interchange between MS 302 and MS 305, with it connecting to both via side roads. The highway passes directly through downtown before passing through suburban areas and then leaving the city shortly thereafter. MS 178 crosses a bridge over the Coldwater River as it passes through woodlands before entering Marshall County.

MS 178 immediately enters the city limits of Byhalia and it crosses under I-269/MS 304 (without an interchange) before passing through neighborhoods to travel directly through downtown, where it has an intersection with MS 309. It leaves downtown and has an intersection with MS 703 before leaving Byhalia and traveling southeast through a mix of farmland and wooded areas for the next several miles, passing through the communities of Victoria and Red Banks, before entering the town of Holly Springs at an interchange with Landfill Road, the new Holly Springs bypass. The highway passes through some neighborhoods before becoming concurrent (overlapped) with MS 7, and they head south along Memphis Street to pass by Rust College before entering downtown and coming to an intersection with MS 4, with MS 7 following MS 4 west while MS 178 follows MS 4 east. The two highways leave downtown and pass through neighborhoods along E Van Dorn Avenue, where MS 4 splits off Randolph Street, and MS 178 curves more southward to pass through an industrial area before leaving Holly Springs. MS 178 curves back southeastward to travel through a portion of the Holly Springs National Forest for a few miles before passing through the community of Lake Center, crossing over I-22/US 78 (without an interchange), and crossing a bridge over the Tippah River into the town of Potts Camp. The highway passes directly through the center of town along Church Avenue, having its first intersection with MS 701 (Mulberry Street), an intersection with MS 349, as well as it second and final intersection with MS 701 (Front Avenue), before leaving both Potts Camp and Marshall County as it enters Benton County.

MS 178 travels eastward down a narrow valley, where it passes through the community of Winborn, before widening to a four-lane divided highway for a short distance to have an interchange with I-22/US 78 (Exit 48) before passing through the town of Hickory Flat as a two-lane, where it has an intersection with MS 5. The highway now winds its way southward to cross some wooded hills into Union County.

MS 178 curves back to the southeast as it travels through the town of Myrtle (where it has an intersection with MS 761 (Springdale Avenue),  and later farmland for a few miles to enter the city of New Albany. The highway passes neighborhoods, and then a large and long business district, before crossing the Tallahatchie River into downtown. It travels through downtown for several blocks before passing through neighborhoods, where it has an intersection with MS 15/MS 30. The entire length of MS 178 in New Albany is known as Bankhead Street. MS 178 leaves New Albany and travels through a mix of farmland and wooded areas for the next several miles, passing through the village of Blue Springs ( where it has an intersection with MS 9), before entering the town of Sherman and crossing in Pontotoc County.

MS 178 travels along the northeastern corner of town, having an intersection with MS 778 (Lamar Street/3rd Avenue), before leaving Sherman and Pontotoc County for Lee County. It passes through farmland for a few miles before entering the city of Tupelo at an interchange with I-22/US 78 (Exit 81). The highway becomes McCullough Boulevard as it widens to a four-lane undivided highway and passes suburbs for a couple miles, where it has an interchange with the Natchez Trace Parkway, before widening to a divided Expressway. MS 178 has an interchange with Country Club Road before leaving the expressway and following MS 145 south (Gloster Street) into downtown at an interchange. MS 178 splits off along Main Street as a four-lane undivided highway to have an intersection with MS 769 (Green Street) and passing through the historic central business district (briefly becoming a two-lane) to have an interchange with US 45, where it becomes concurrent with MS 6. The highway passes by the Elvis Presley Birthplace before MS 6 splits off along Briar Ridge Road, with MS 178 narrowing to two-lanes to leave Tupelo and pass through the community of Mooreville, where it has an intersection with MS 371, before crossing into Itawamba County.

MS 178 passes through the community of West Fulton, where it has an interchange with I-22/US 78 (Exit 101), as well as an intersection with MS 363, before coming to a dead end along the banks of the Tennessee Tombigbee Waterway.

MS 178 begins again along the other side of the waterway in the city of Fulton, immediately traveling through downtown along Main Street, before leaving the city to have an intersection with MS 25. The highway winds its way east through the hilly terrain of the North Central Hills for the next several miles, passing through the town of Tremont (where it has a short concurrency with MS 23, before coming to another dead end at the Alabama state line.

History

MS 178 closely parallels both the current US 78 and the old Bankhead Highway, a macadam highway designated as part of US 78 in 1926, and used from then until the 1930s. In the 1940s, the Mississippi portion of US 78 was upgraded to a uniform two-lane highway, In some Mississippi towns, such as New Albany, the "new" US 78 routing followed the old Bankhead Highway, and thus became part of MS 178.

In some parts of North Mississippi, "Bankhead Road" or "Bankhead Street" identifies sections of the original (pre 1940s) US 78 highway.

In the 1980s US 78 began to be upgraded further, albeit in stages, into a four-lane, interstate-style route, bypassing parts of the original 1940s US 78 alignment. For instance, in 1990, the Mississippi portion of US 78 followed the 1940s two-lane from the Alabama state line to the Clay community, then joined four-lane US 78 to New Albany, reverted to the 1940s two-lane from New Albany to Holly Springs, then four-lane from Holly Springs to Memphis. By 2000, the entire length of US 78 in Mississippi was four-lane, and parts of old US 78 were reconditioned for use as MS 178.

In Mississippi, unlike Alabama or Tennessee, MS 178 and US 78 are totally separate routes.

The Elvis Connection
Although it is true the Presley family used US 78 to travel from Tupelo to Memphis, the current routing of US 78 was not the one used. In order to recreate the actual route used to make the move, MS 178 is the route used, as it was the main highway used in 1948.

Major intersections

See also

References

External links

178
Transportation in DeSoto County, Mississippi
Transportation in Marshall County, Mississippi
Transportation in Benton County, Mississippi
Transportation in Union County, Mississippi
Transportation in Pontotoc County, Mississippi
Transportation in Lee County, Mississippi
Transportation in Itawamba County, Mississippi
U.S. Route 78

redpajama_set_name: RedPajamaWikipedia


SunRise University, Alwar successfully conducted 02 Days National Seminar CRETTMASLA-2016 "Current Research in Emerging Trends of Technology, Management, Arts, Science and Law" on 02nd & 03rd July, 2016. Prof. (Dr.) Kailash Nath Tiwari (SD College, Itava) was Chief Guest and Prof. (Dr.) Rajeev Jain and Prof. (Dr.) Sudhir Dhabra from SS College, Agra was the Special Guest. Research scholars all around the country participated the seminar.


text:
USDA-NRCS IN GEORGIA AND FLINT RIVER DISTRICT ANNOUNCE CLIMATE RESILIENCY PROJECT SIGN UP
USDA Natural Resources Conservation Service sent this bulletin at 03/30/2018 12:41 PM EDT
You are subscribed to the "Press Release" topic list for NRCS Georgia.
Conservation Service
355 East Hancock Ave., Ste. 212
Athens, GA, 30601
Web: http://www.ga.nrcs.usda.gov
Release No.: 00013.18
Chris Groskreutz
Chris.groskreutz@ga.usda.gov
ATHENS, GA, March 30, 2018 — State Conservationist Terrance O. Rudolph of the U.S. Department of Agriculture's (USDA) Natural Resources Conservation Service (NRCS) and Marty McLendon, chairman of the Flint River Soil and Water Conservation District (SWCD) announced today that a sign up for the Climate Resiliency in Georgia, Florida and Alabama project is under way. The deadline for eligible producers in Georgia to apply is April 20, 2018.
This multi-state project covering Alabama, Florida and Georgia is one of 88 projects across the country that was selected for funding through last fiscal year's Regional Conservation Partnership Program (RCPP). The project area is the Apalachicola, Chattahoochee, Flint and Ochlocknee river basins in each respective state. The 62 Georgia counties include Banks, Calhoun, Carroll, Chattahoochee, Cherokee, Clay, Clayton, Cobb, Colquitt, Coweta, Crawford, Crisp, Dawson, Decatur, Dekalb, Dooly, Dougherty, Douglas, Early, Fayette, Forsyth, Fulton, Grady, Gwinnett, Habersham, Hall, Harris, Heard, Henry, Houston, Lamar, Lee, Lumpkin, Macon, Marion, Meriwether, Miller, Mitchell, Monroe, Muscogee, Paulding, Peach, Pike, Quitman, Rabun, Randolph, Schley, Seminole, Spalding, Stewart, Sumter, Talbot, Taylor, Terrell, Towns, Troup, Turner, Webster, White, Worth, Union and Upson counties.
Producers in these Georgia counties looking to improve on-farm climate change resiliency through water use efficiency, energy efficiency, and soil health on cropland; mitigate wildfire risk, increase carbon sequestration, and enhance wildlife habitat on forestland; enhance soil health, manage nutrients and improve water quality on grazing land as well as animal feeding operations, should visit their local USDA Service Center and submit their Conservation Program Application (NRCS-CPA-1200) before the April 20 deadline. Sign up in Alabama and Florida were announced by their respective NRCS State Conservationists.
"We are proud to once again work with the Flint River SWCD and its partners to help address some of their region's most important challenges," said Rudolph. "Their commitment to these river basins is inspiring and we are glad to be a part of it."
The Flint River SWCD is based in southwest Georgia, but will lead this multi-state project that begins in the headwaters of northeast Georgia, heading southwestern to the Gulf of Mexico.
"We are very pleased to be partnering with the NRCS and our many partners on another vitally important project to our region," said McLendon. "It's through partnerships on the local level all the way up to Washington D.C. that we make some of the longest lasting and positive impacts."
Created by the 2014 Farm Bill, the RCPP is a partner driven, locally-led approach to conservation. It offers new opportunities for NRCS to harness innovation, welcome new partners to the conservation mission, and demonstrates the value and efficacy of voluntary, private lands conservation.
More information on NRCS conservation programs can be found at http://www.ga.nrcs.usda.gov under the Programs tab.
Figure 1: Map of the multi-state project's river basins.
013.18_RCPP_ACFR__SIGN_UP_FY18.pdf
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text:
Stromboli eruption in the news
Updated Thursday, 1st March 2007
A call from Al Jazeera alerts Dave Rothery to the latest eruption of a volcano in Italy. But he nearly ends up being interviewed about China.
This page was published over five years ago. Please be aware that due to the passage of time, the information provided on this page may be out of date or otherwise inaccurate, and any views or opinions expressed may no longer be relevant. Some technical elements such as audio-visual and interactive media may no longer work. For more detail, see our Archive and Deletion Policy.
28 February - arrived late into the office, so did not go for lunch at usual time. Just after one o'clock phone rings. It's a researcher from Al Jazeera television wanting help in finding a volcanologist to interview. "Why, what's happening?" I ask. It turns out that Stromboli - a volcanic island north of Sicily - is erupting. Stromboli usually has a small explosive eruption every 20 minutes or so, but I surmise that something unusual must be happening for the news media to have become excited. It turns out that lava is flowing all the way down to the sea, and that villagers on the island have been warned to stay away from the waterfront in case there is a tsunami. Al Jazeera has acquired some helicopter footage of the ongoing activity, and want an interview to go with it. I've worked on Stromboli myself, and am currentlyputting the finishing touches to a new course on volcanoes, earthquakes and tsunamis, so I agree to go down to London myself.
Hurriedly visit the website of the Istituto Nazionale di Geofisica e Volcanologia to print out their latest reports and photographs, then dash to the station. Read the reports on the train - they are in Italian but most of the scientific terms are recognisable. So far as I can make out it looks very similar to what began in December 2002 (see my 2003 pictures below), when landslides down the unstable 'Sciara del Fuoco' caused tsunami waves that put six people in hospital.
Arrive Al Jazeera at thee o'clock. Am asked to wait in the 'green room'. After a while a chap in headphones pokes head round door. "Is one of you a doctor?" he asks. The other guest looks blank. I confess to having a PhD and bearing the title Dr. "Ah, you must be the one," says chap in headphones. Am ushered into impressive looking high-tech news studio, and am fitted with earpiece and microphone. I ask if I will be able to see the footage of the eruption on one of the many monitors during the interview. "Oh, aren't you here to comment on the Chinese economic forecast?"
That could have been embarassing. So it's back to the 'green room' until they are ready for the Stromboli feature.
Copyright: Dave Rothery
Stromboli as I saw it in June 2003, with lava issuing from a vent below the northeast crater.
Stromboli as I saw it in June 2003, with cascades of rock bouncing into the sea (larger rockfalls that this could cause a tsunami large enough to threaten waterfront property in the nearby village). [image: Dave Rothery]
Professor David Rothery
(The Open University)
Professor David Rothery is a volcanologist and planetary scientist at The Open University, where he is Professor of Planetary Geosciences within the Department of Physical Sciences. He chairs modules in level 2 planetary science, and...
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Q: In Batch File - Testing if Value is Less than Zero I am running a mathmatical formula through a batch file for calculating volume displacement.
I want to run an error check on the result to make sure the value is not negative.
However, the value is always treated as positive when checked. I believe this is a result of batch's limited integers.
I used powershell to do the calculations. The result was put into %result%
I tried to also use powershell to check if %result% was less than or equal to 0, and if it was it would GOTO Error. It only ever resulted in a crash.
Does anyone have any suggestions? Thank you!
@echo off
echo.
title RAM Displacement Calculator
:Start
cls

color E0

set /p Bore=Enter RAM Chassis Diameter (Bore):
echo.
set /p Rod=Enter RAM Rod Diameter (Rod):
echo.
set /p Extended=Enter Fully Extended Length:
echo.
set /p Retracted=Enter Fully Retracted Length:
echo.

color E9
echo | set /p status=Cal

for /f "delims=" %%a in ('powershell -Command %Extended%-%Retracted%') do set A=%%a
echo | set /p status=c
echo | set /p status=u
for /f "delims=" %%a in ('powershell -Command %Bore%*%Bore%') do set B=%%a
echo | set /p status=l
echo | set /p status=a
for /f "delims=" %%a in ('powershell -Command %Rod%*%Rod%') do set C=%%a
echo | set /p status=t
echo | set /p status=i
for /f "delims=" %%a in ('powershell -Command %B%-%C%') do set BC=%%a
echo | set /p status=n
for /f "delims=" %%a in ('powershell -Command %A%*%BC%') do set ABC=%%a
echo | set /p status=g
for /f "delims=" %%a in ('powershell -Command %ABC%*3.14159') do set ABCPi=%%a
echo | set /p status=.
for /f "delims=" %%a in ('powershell -Command %ABCPi%/4') do set result=%%a

if %result% LEQ 0 GOTO Error
if %result% GTR 0 GOTO Result

:Result
echo | set /p status=.  DONE!
echo.
color E2
echo The RAM Displacement Is: %result% Cu In
echo.
@pause
echo.
GOTO Start

:Error
color 4F
echo.
echo ERROR: Invalid Parameters. Displacement must be greater than zero.
@pause
GOTO Start

A: You are right that the issue is that batch can only handle integers; when LEQ and GTR (and EQU, NEQ, LSS, and GEQ) are used, they will only do an integer comparison if the strings being compared contain the digits 0-9 or a -. Otherwise, a string comparison is performed. Since . is not a digit or a -, comparing a decimal results in a string comparison.
You can get around this by using string substitution to remove the decimal point before comparing the numbers.
@echo off
echo.
title RAM Displacement Calculator
:Start
cls

color E0

set /p "Bore=Enter RAM Chassis Diameter (Bore): "
echo.
set /p "Rod=Enter RAM Rod Diameter (Rod): "
echo.
set /p "Extended=Enter Fully Extended Length: "
echo.
set /p "Retracted=Enter Fully Retracted Length: "
echo.

color E9
<nul set /p "=Calculating..."

for /f "delims=" %%A in ('powershell -command "((%extended%-%retracted%)*((%bore%*%bore%)-(%rod%*%rod%))*3.14159)/4"') do set "result=%%A"

if %result:.=% LEQ 0 GOTO Error
if %result:.=% GTR 0 GOTO Result

:Result
echo DONE!
echo.
color E2
echo The RAM Displacement Is: %result% Cu In
echo.
pause
echo.
GOTO Start

:Error
color 4F
echo.
echo ERROR: Invalid Parameters. Displacement must be greater than zero.
pause
GOTO Start

Note that I also merged all of the calculations into a single powershell command just to make things run faster. The bit that you actually care about is the %result:.=%, which replaces all of the .s in %result% with nothing.


Day 193: Would you rent my toilet?
It's Monday and you can now listen to episode two of my podcast The Sound of Sharing. This time I've been asking people on the central station in Uppsala if they would rent my toilet for one Euro. And I talk to the founders of Peerby and Drivy about the trend towards access instead of ownership.
Here's the first episode where I interview the founder of Arcade City and tries the new party taxi Heetch in Stockholm.
Day 207: More digital - and more social?


TIC has joined in "Japan Logistics Society" and attended the 34th Japan Logistics Society national conference at Tokyo University of Economics dated Aug.30-Sep.1, 2017.Japan Logistics Society was established in 1983. Now (As of Feb. 1st, 2016), they consist of 500 members: professors and companies, etc.Except for the national convention, they have held study events for up-and-coming professors, and published Japan Logistics Society Magazine.
2. Convene sectional conferences and seminars.
4. Interact with other study societies and agencies.
5. Other activities, which are essential for achieving their purposes.


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Lac Beauvert's relaxing hike contains beautiful multicolored waters beside Jasper Park Lodge.
Hiking Time Just over 1 hour to complete the hike.
Getting to the Lac Beauvert Trailhead..
The quickest route to Lac Beauvert's hiking trail is to continue down the paved road from Old Fort Point's trailhead. Drive about 1 more kilometer to the parking area at the south end of Lac Beauvert. You will see Jasper Park Lodge on the other side of the Lake.
Starting from the parking lot at this south side of the hiking trail, cross the service road to the path by the lakeshore and follow it right. Along the golf course, stay on the path close to the service road, crossing the golf course branch road. Continue along the shoreline hiking trail.
You will approach the JPL buildings and pass the boat and cycle rental shop. Continue hiking around the lakeshore to the junction with trailhead #7. You will hike through forest and along Beauvert's lakeshore to finish the hiking loop.
Elk are often near the golf course, and Bears can be found here in the spring.
Grizzly Bear Cubs of the Year Clowning Around and Play Fighting near Lac Beauvert.


text:
Is EHLS for Me?
Working for the Government
Step 1: Prepare Application
Step 2: Complete Telephone Interview
Step 3: Submit Application
Step 4: Take Skills Tests
Final Notification
EHLS Team
Background Information about the EHLS Program
What does EHLS stand for?
What is a heritage language?
Who provides the funding for the EHLS Program?
Applying for the Program
When is the application deadline?
Where should I send my application materials?
How will I know if my application has been accepted?
I do not have an email account. Do I need to create one in order to apply for the EHLS Program?
My email address will change before the admissions decisions are made. What should I do?
Who must take the language tests?
I live outside the DC metropolitan area. If I am selected for language testing, will I be reimbursed for travel costs to DC?
In which languages will I be tested?
What kinds of computer skills are required for the EHLS Program?
EHLS Scholarships
Who is awarded a scholarship for the EHLS Program?
How do I apply for a scholarship?
What does an EHLS scholarship provide?
Will my dependents be covered by my student health insurance?
The Service Requirement
What is the EHLS service requirement?
What is the duration of the service requirement?
Am I guaranteed a job after I am finished with the program?
What am I required to do to find a job that fulfills a service requirement?
How can I identify opportunities that will satisfy the service requirement?
Will I be forced to take an overseas assignment or asked to work in my country of origin?
How much time will I have to fulfill the service requirement?
What if I fail to fulfill the service requirement?
What kinds of job offers do EHLS graduates receive upon graduating?
Which positions satisfy the service requirement?
Attending Georgetown University
As an EHLS scholar, will I have the same privileges as other Georgetown University students?
Do EHLS continuing education units count towards a degree program at Georgetown University?
Are EHLS instructors Georgetown University faculty?
How flexible is the class schedule? Can I take only the courses I need, or adjust my schedule to accommodate personal commitments?
Can I work part-time or study in another academic program while I attend EHLS?
Does Georgetown offer child care facilities for scholars?
Does Georgetown offer prayer facilities for scholars?
Can I park my car in a campus lot?
What is the best way to commute to Georgetown's campus?
What type of housing is available for EHLS scholars?
EHLS stands for the English for Heritage Language Speakers Program.
A heritage language is a person's home or ancestral language. It may be the language spoken by the person's family in the past and passed down through generations or the language spoken now in the person's home or community.
EHLS is funded by the National Security Education Program (NSEP), a part of the Department of Defense.
EHLS 2020 application deadline was July 5, 2019.
You must submit all of your application materials electronically through the online application system. We do not accept paper applications.
If your application has been selected to move forward to the language testing stage, you will receive an email from the EHLS Program in September.
Yes. In order to start your online application, you must have an email address. Program staff will use this email address to communicate with you about the status of your application, so be sure to check it regularly.
We recommend that you do two things:
Set up an automatic message on your current email with your new email address, and
Contact IIE and provide your new email address.
All provisionally selected applicants must participate in formal language testing.
I live outside of the DC metropolitan area. If I am selected for language testing, will I be reimbursed for travel costs to DC?
No. Admissions testing travel expenses are the responsibility of the applicant.
You will be assessed in both English and your heritage language. Read a detailed description of these tests in Step 4 of the Application Process.
You need at least basic computer skills, such as typing, using a laptop trackpad, and creating and saving files and folders. To learn more about the required skills, review the Computer Skills Self-Assessment.
Please note that you will type and email your English writing test on the computer, which will test your technology skills.
All applicants who are offered admission to the program are awarded a scholarship.
Complete the EHLS program application to be automatically considered for a scholarship. Read the How to Apply section of this website for specific instructions.
A scholarship provides a stipend of $3,600 per month during the intensive part of the program (January-June), and $1,200 per month during the part-time portion (July-August). All tuition and fees for the program are covered for every scholar, and reimbursement of up to $1,000 in relocation costs is available for scholars from outside the metropolitan Washington area. Additionally, Georgetown University provides each scholar with student health insurance and a laptop computer.
Georgetown pays for EHLS scholars' individual health insurance. You may choose to add your dependents to your health insurance policy at your own expense.
The service requirement is a commitment you make when you accept an EHLS scholarship. When you have completed the EHLS Program, you must seek federal employment and work for one year in a position with national security responsibilities.
The duration of the service requirement is one year.
Am I guaranteed a job after I am finished with the program? Will there be a job waiting for me?
EHLS does not place you in a job or guarantee you a job after completion of the program; the job search is your responsibility. It is unlikely that there will be a job waiting for you immediately after the intensive portion of the program.
That said, as an EHLS scholar, you will have several advantages over other applicants to federal jobs. During the program, you will have opportunities to meet hiring authorities from different federal agencies, and you will have support in developing a résumé and applying for positions. You will also receive ongoing assistance from NSEP after you graduate and be eligible for special federal hiring exceptions that you will learn about during the program. The vast majority of EHLS Program graduates find federal employment that allows them to complete the service requirement successfully.
What am I required to do to find a job that fulfills the service requirement?
You must create and routinely update an online résumé that will be made available to hiring officials in relevant federal departments and agencies. You must also document your specific efforts to identify employment opportunities in the federal government that would fulfill the EHLS service requirement. These actions will satisfy your obligation to make a full and good faith effort to secure a position in the federal government.
In the Career Skills Development course that is part of the intensive program, you will receive guidance on finding and applying for federal job opportunities. In addition, you will receive assistance from the National Security Education Program (NSEP) during and after the program to help identify appropriate federal job opportunities.
Since you are in control of your own job search, you only need to apply for jobs that you are interested in and comfortable doing.
You must begin to fulfill the service requirement no later than three years after you graduate from the EHLS Program. You must complete the service requirement within five years of the date you begin your service.
EHLS graduates who fail to demonstrate a full and good faith effort to fulfill the service requirement are required to reimburse the U.S. government for the full amount of assistance provided from the scholarship.
Past EHLS graduates have been offered positions as linguists, language teachers, cultural advisors, translators, analysts, financial analysts, accountants, and administrators, among others.
Federal positions with national security responsibilities fulfill the service requirement. Any position in the Departments of Defense, Homeland Security, and State, or in the Intelligence Community, satisfies this requirement. If you are not successful in identifying positions in these three priority departments or the Intelligence Community, you may pursue employment in any other federal agency, but any position you accept must include national security responsibilities. You may choose to satisfy the service requirement by accepting a suitable paid or unpaid full-time, part-time, temporary, or internship position. Employment in the federal government prior to participating in the program does not count toward fulfilling the service requirement.
Yes, EHLS scholars receive a GU identity card and access to student services. See Campus Life.
No, these are continuing education units leading to a professional certificate and cannot be applied to degree programs.
Yes, they are faculty from Georgetown's English Language Center.
You must attend all classes as scheduled to fulfill the EHLS Program requirements. Individual scheduling requests cannot be accommodated. Scholars are evaluated on class attendance and participation, among other factors.
During the first six months of the program (January-June), scholars are not permitted to hold any form of employment or to study in another academic program. The scholarship terms include these restrictions so that you can concentrate on your EHLS responsibilities. However, during the part-time online portion of the program (July-August), you may work or study in an outside program, if you choose.
No, child care facilities are not provided by Georgetown.
Yes. Find detailed information on prayer facilities here.
Georgetown does not have a campus lot at the downtown campus; however, SCS partners with parking vendors to offer students with GU identity cards preferred daily and semester parking rates.
Washington, DC, has a variety of convenient public transportation options, including buses, metro rail, and bicycle sharing.
Georgetown University's dorm housing is open only to undergraduates. On-campus housing is not available for EHLS scholars. EHLS scholars must find their own off-campus housing.
STAY UP TO DATE WITH EHLS
EHLS is on Facebook and Twitter. Connect with us and be the first to receive program updates.
Join us for an information session to learn more about the EHLS Program.
Live events are held around the country, in Washington, D.C., and online during the application period (February-July).
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Contact Us | Privacy Policy | Accessibility/Section 508 | The EHLS Program is an initiative of NSEP | © 2019 EHLS


text:
What is City Talk? City Talk allows marketers to connect directly with our audience by publishing content on cityam.com
Tuesday 17 October 2017 12:25 pm
Black Monday 30 years on: how big was the crash and how fast did markets recover?
By: David Brett
I am an Investment Specialist at Schroders.
On 19 October 1987 global stock markets came crashing down amid worries about a slowing global economy and high stock valuations. The concerns were compounded by a computer glitch.
In the space of 24 hours stock markets in Asia, Europe and the US suffered falls of up to 23%.
It was the biggest crash in living memory. In the US, the Dow Jones fell 22.6%, destroying the previous record one-day fall of 12.8% set during the Wall Street Crash of 28 October, 1929.
Could the 1997 Asian financial crisis be repeated?
The global financial crisis 10 years on: six important charts
However, with the help of central bankers stock markets recovered. Five years after the event stock markets in the UK, Europe and the US were rising by as much as 15% a year.
The chart below illustrates the performance of stocks before, during and after Black Monday.
The blue column shows the annual rate of return for stocks in the five years leading up to the crash.
The dark green column is the percentage change in stocks on Black Monday.
The light green column is the percentage change in stocks in the five years after the crash.
Below we relive what happened and the lessons it can offer to investors today.
In October 1987 stock markets were in the midst of a five-year bull-run. The global economy had recovered from the recession and stagnation that had blighted the 1970s. Credit was expanding, house prices were rising and investors were in bullish mood. But things were about to turn sour.
A great storm was on its way to cripple the UK. Appropriately enough, Michael Jackson's Bad was on the verge of topping the US billboards charts. At the cinema Fatal Attraction was a box office smash just as investors' love affair with the stock market, albeit briefly, was about to end.
In the space of 24 hours on 19 October, global stock markets went into freefall. Yet few could put their finger on the exact reasons why.
Will UK interest rates rise next month
Why we could be in a bull market for complacency
In the years since, investors have blamed worries surrounding a turn in the fortunes of the global economy and rising inflation. Others have pointed to rumours of an interest rise in the US and political tensions between the US and Iran that were threatening to spill over.
There has been much conjecture.
What can't be argued with is the fact that there was a collective panic across markets.
Losses were exacerbated by new computerised trading floors that were ill equipped, at the time, to prevent the collapse from spreading.
It came after a period of sustained gains. Most stock markets in developed countries had been growing at more than 30% a year in the five years up to Black Monday – gains that have not been repeated since. It took valuations to record highs.
As stock markets plunged and investors panicked, central bankers took action: interest rates were cut and the Federal Reserve "encouraged" banks to continue lending to ensure the flow of money wouldn't dry up.
Those policies worked. In the five years following the crash, stock markets made a strong recovery.
US stock prices grew by 14.7% a year. UK and European stock markets rose at rates of 8% and 7.6%, respectively, while global stock markets as a whole posted annual gains of 6.3%. The Japanese stock market was the notable exception – a banking crisis left investors facing annual average falls of 7.2%.
What can we learn from it now?
While high stock valuations can contribute to a fall they are not necessarily the catalyst. As the table below illustrates, valuations in the US, UK and Europe are higher now than they were in 1987, yet stock markets continue to hit record highs.
How stock market valuations compare
In 1987 there was a more obvious path for investors to take to protect their money. In government bonds they could still find a healthy return as well as the required protection for their investment.
The yields on 10-year government bond yields in developed countries such as Japan, Germany and the US were as much as 9.9%.
In the UK, the figure was 10.1%. Today, the highest yield, among those countries, is 2.9% for US bonds. In the UK it is 1.28%, while Germany and Japan are closer to zero.
The path to protecting your money now is not so obvious.
Five ways to measure the value of stock markets … and what they tell us today
How government bond yields compare: 1987 and 2017
Views from the veteran fund managers
Matthew Dobbs, an equities fund manager who was in London at the time of Black Monday and is today Schroders' Head of Global Small Cap, said: "It is easy to understand why investors might be concerned about investing in stocks now. Stock markets continue to reach new highs and equity valuations are similar now to what they were in 1987. But there is big difference today: the risk-free rate is very different.
"What I mean is that that the yields on bonds and interest rates in banks, where there are fewer risks to losing your investment, are now very low compared to the dividend yield on the stock market, which is around 4%.
"So, where would you put your money? If you don't have it in stock markets then you're not paid much for having it in the bank and not paid much for having it in the bond market.
"Despite that I still don't think too much money is going into stock markets. People are cautious towards stocks because of what happened during the global financial crisis of 2007 and 2008. Although it was 10 years ago it still feels like it happened quite recently."
Andrew Rose, equities fund manager, recalls the surreal atmosphere in London that surrounded Black Monday.
"It was an exceptional time for the stock market. We hadn't seen anything like the performance in stock prices before and we haven't seen anything like it since. And it coincided with one of the greatest storms the UK has ever seen, which bizarrely ended up contributing to market falls.
"The storm happened on the Thursday night before Black Monday. There was hardly anyone in the Schroders' London office on the Friday or anywhere in the City.
"Matthew and I were in work because our tube line was running. Anyone coming in on overland trains had no hope. Fallen trees were strewn across roads and rail lines.
"With markets closed it meant that investors had to carry their positions throughout the weekend because they couldn't square them on the Friday. But traders had bought portfolio insurance – a mechanism that automatically sold investments into a market when the price hit a certain level.
"Investors thought it was a free lunch and losses would be limited. But everyone was a seller and no one was a buyer when markets went into freefall on Monday morning. The automated mechanism of selling at a certain price failed. In fact, it exacerbated the issue.
"Ironically, if they hadn't taken out this sort of insurance then markets might never have fallen as much as they did.
"At the time you felt it was the end of the world, but looking back it was just a blip. The UK and the US stock markets rebounded strongly in the late 80s and throughout the 90s.
"Could it happen again? Procedures are now in place to prevent stock markets falling so far, so fast. There will always market peaks and troughs but over the long term, stocks have delivered superior returns."
The market blip that was Black Monday
The chart below reflects the fluctuations in the US stock market since 1970. It illustrates how Black Monday registered as barely a blip in the long term and how resilient stocks have been over the last 47 years.
Those who invested after Black Monday would have seen $100 turned into $1,135 without considering the dividend income paid out. That high return was achieved despite remaining invested through the dotcom crash of 2000-03 and the global financial crisis of 2007-09.
MSCI USA: 1970-2017 and the blip that was Black Monday
More market news and views: @Schroders
More investment views: Schroders Insights
Important Information: The views and opinions contained herein are those of name, David Brett, Investment Writer, and others named in the article, and may not necessarily represent views expressed or reflected in other Schroders communications, strategies or funds. The sectors and securities shown above are for illustrative purposes only and are not to be considered a recommendation to buy or sell. This material is intended to be for information purposes only and is not intended as promotional material in any respect. The material is not intended as an offer or solicitation for the purchase or sale of any financial instrument. The material is not intended to provide and should not be relied on for accounting, legal or tax advice, or investment recommendations. Reliance should not be placed on the views and information in this document when taking individual investment and/or strategic decisions. Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amounts originally invested. All investments involve risks including the risk of possible loss of principal. Information herein is believed to be reliable but Schroders does not warrant its completeness or accuracy. Reliance should not be placed on the views and information in this document when taking individual investment and/or strategic decisions. The opinions in this document include some forecasted views. We believe we are basing our expectations and beliefs on reasonable assumptions within the bounds of what we currently know. However, there is no guarantee than any forecasts or opinions will be realised. These views and opinions may change. Issued by Schroder Investment Management Limited, 31 Gresham Street, London EC2V 7QA. Registration No. 1893220 England. Authorised and regulated by the Financial Conduct Authority.
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"Girls Night" with Class 1003 at my apt.
This past week in my Bilingual Junior classes, I taught a lesson on identity. It was one of the best lessons I've ever taught, in my humble opinion, not because I did something special but because my students actually seemed to consider who they really are. As a part of this lesson, I presented the poem "Our Deepest Fear" by Marianne Williamson, often attributed to Nelson Mandela. Once we read and discussed the poem's meaning an implications as a class, I gave them some time to write their own "deepest fear" poems after reading my own as an example. I challenged them once more to "dig deep" within themselves: "Don't just tell me you're afraid of spiders or dogs. I want you to think hard and consider what your deepest fear is really." After reading through their poems, I got the idea to create one poem per class by using one line from each individual student poem. I'd like to share those poems along with my own poem and the Marianne Williamson's poem that inspired this activity. I hope you enjoy!
This is my fourth time to visit but my first year living in China. It has been an amazing experience so far, especially with being one of the few black girls among many Chinese people. Follow me as I experience China.
What is a topic you want me to discuss or a question you want me to answer? Send me a message HERE.


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Q: How to force a connection to a a2dp bluetooth device by an activity or service I'm using my Nexus One with Android 2.2 Froyo in my car dock. For the audio output I'm using a a2dp receiver which is hooked up to my car stereo.
Now, when I put the phone in the car dock it automatically connects to the car dock but not to my a2dp receiver, I have connect it manually in the settings (already paired).
I'm also using a custom app for audio playback. I thougt I maybe could force the a2dp connection to the a2dp receiver. But as far as I know, the default Bluetooth API does not support such a thing.
Is there any Intent for establishing the connection, or any other way? I would also accept an undocumented solution.

A: I fixed this recently with the app A2DP volume.
My issue was my lg p920 on android 2.3.5 would connect to handsfree and a2dp stereo audio with my Sony car stereo mex bt3950ou (many other brands have the same issue).
Once the car was turned off and back on again ie. in turning the ignition from acc to start, the connection would be lost and only the handsfree would reconnect.
A2DP volume can be configured to force reconnect the stereo audio connection, see instructions on the A2DP volume site.

A: See your issue with twin BT devices. You can get BT Visor mount systems that do this. The BB version will stream A2DP music from the device AND allow you to take calls. The drawback is it uses FM to get the sound to your headunit so sound quality will be lower than native BT.

A: The technique is demonstrated in this app: http://code.google.com/p/a2dpvolume/A2DP Volume
Look at service.java and the IADL file.


The purpose of the ABR or Accredited Buyer's Representative designation is to represent YOU, the buyer. The ABR designation is the benchmark of excellence in Buyer Representation. This coveted designation is awarded to Realtors by the Real Estate Buyer's Agent Council (REBAC) of the National Association of Realtors who meet the specified educational and practical experience criteria. I have my ABR designation to serve my clients. It is in your best interest to ensure your agent has this designation.
As an ABR Buyer Representative, I work for YOU and have fiduciary responsibility to YOU…the buyer of the property. This responsibility differs from that of the real estate agent who has listed the property you are interested in. By law, the Listing/Seller's Agent has fiduciary responsibility to the SELLER of the property NOT the BUYER.
The most critical thing I do, as a Buyer's Representative, is provide YOU 100% Buyer Representation from start to finish with your real estate transaction...at no cost to you!
What is the cost to YOU...the Buyer for ABR Representation?
ZERO...thanks to "Georgia's Buyer Law" I provide the ABR certified Buyer's Representation service to you absolutely FREE. This is because the costs for my services to find a buyer for the seller is paid for by the Seller of the home you purchase. The Seller compensates the Realtor that works with the buyer to purchase the home they are selling. The worse thing you could do from a bargaing and negotiation position would be to submit an offer directly with the Listing Agent of the property. As noted earlier, the law requires the Listing Agent to have fiduciary responsibility to the SELLER ... NOT the BUYER.
Call me today at 678-907-9155 to represent you as your Buyer's Representative and let's get started with the search for your dream home!
I will pre-qualify YOU to help you understand what your maximum mortgage amount would be to ensure we are searching for properties that financially meet your requirements.
I will understand YOUR criteria for a new home, and conduct a search to identify properties that meet your property requirements as well as price range.
I will provide YOU with information you need to relocate into the Atlanta area including public and private schools, area attractions, real estate trends, future plans impacting real estate, etc.
I will preview properties on YOUR behalf to ensure the properties you are shown meet your requirements.
I will schedule and join YOU to walk through properties (scheduling them efficiently so we can view as many properties that meet your criteria in the shortest amount of time possible).
I will conduct due diligence of the properties YOU have expressed interest in to determine if there are any issues with the property that would impact YOUR decision or the value of the property before making an offer.
I will recommend, prepare and structure YOUR offer to purchase the property YOU would like to purchase.
I will present the YOUR offer to the Seller / Listing Agent and the Seller on YOUR behalf.
I will negotiate on YOUR behalf and with your best interests in mind to obtain the property you would like.
I will assist YOU to secure the financing for YOUR property.
I will assist YOU in providing contacts of companies or services you need to complete your move including attorneys, decorators, landscapers, movers, painters, etc.
My goal is to find your dream house, so you can make it your home!
A customer for life... for all of your future real estate needs!


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Fire & Ambulance Services To Be Under One Roof
by Julia Rawlins-Bentham | Dec 16, 2020 | Top Stories
Minister of Home Affairs, Information and Public Affairs, Wilfred Abrahams (right) presenting Fire Officer Dylan Scantlebury with the plaque for Best Recruit. (C. Pitt/BGIS)
The Barbados Fire Service (BFS) headquarters and the Emergency Ambulance Service (EAS) are expected to come together under one roof when the BFS' complex is constructed at Pine Road, St. Michael, "in the very near future".
Minister of Home Affairs, Information and Public Affairs, Wilfred Abrahams, made this announcement as he addressed the closing ceremony for the Barbados Fire Academy Auxiliary Fire Officers' Recruit Course #39, at the Samuel Jackman Prescod Institute of Technology (SJPI), today.
Mr. Abrahams said the new complex will house the Bridgetown Fire Station, the Barbados Fire Prevention and Code Enforcement Unit, the administration division of the BFS, and the Emergency Ambulance Service.
"It is anticipated that this would provide the framework for a closer collaboration and working relationship between the Emergency Ambulance Service and the Barbados Fire Service.
"It therefore makes strategic sense to have these two entities housed together and working together," he said.
Mr. Abrahams explained that such an arrangement would benefit the personnel of the service and the public of Barbados as it provided an opportunity for a greater range of training and acquisition of skills, shorter response times for medical and trauma calls, and routine drive responses to assist the public.
He further disclosed that the move would also allow for the sharing of resources, such as a central dispatch centre, which is now under discussion, and maintenance and workshop facilities.
"These provisions can only translate to a better and more efficient service to the public, and less cost to the tax payers of Barbados. This is where the Barbados Fire Service is heading, and initiatives aimed at honing the skills of the first responders," the Minister pointed out.
Commending the 16 fire recruits who successfully completed the Emergency Medical Technician (EMT) programme as a part of their training, Mr. Abrahams stated that the attempt to augment the department's EMT skill set also signalled the deliberate attempt to assist the provision of prehospital care in Barbados.
"The Fire Service is one of our main first responders and this initiative falls within your natural operations. It is already well known that the service has the lead in search and rescue, as well as a number of hazardous material incidents. This means that modern recruits must be multi-skilled and must be equipped to perform effectively and completely from the very beginning," he said.
Some of the Fire Officers at the closing ceremony of the Barbados Fire Academy Auxiliary Fire Officers' Recruit Course #39, at the SJPI, yesterday. (C. Pitt/BGIS)
He added that in a modern fire service it could not be business as usual, as the focus could no longer be solely on preventing and extinguishing fires.
Mr. Abrahams said to meet this need, the Ministry is presently conducting a complete and comprehensive overhaul of the Fire Service Act, which has served its purpose since its enactment in 1961.
"The proposed overhaul is intended to allow the Barbados Fire Service to evolve into a comprehensive fire management and rescue operation, which can deliver a modern fire and rescue service that will respond to the demands of the 21st century," he noted.
The Minister said in so doing, it is also placing a heavy emphasis on training, not only for staff, but also for other professionals in the industry and the general public, both locally and regionally.
Mr. Abrahams added that there was an arrangement with the Barbados Community College and the BFS to allow trainees to pay a small fee to the college when pursuing certain courses, for which they will receive certificates and college credits on successful completion.
Meanwhile, the BFS is in the preliminary planning stage with the SJPI to establish capacity to assist with the training of seafarers. This initiative, once completed, would allow for the certification of local instructors to meet international maritime organisational standards.
During his address, the Minister also welcomed the new fire officers, noting that they were embarking on a new journey from today. He also gave the BFS his commitment that he would do all that was necessary to assist it in ensuring that future programmes produced officers of a similar quality as those from Course #39.
julia.rawlins-bentham@barbados.gov.bb
Tags: Barbados Fire Service, Emergency Ambulance Service, Minister of Home Affairs Information and Public Affairs, Samuel Jackman Prescod Institute of Technology, Wilfred Abrahams


I am a cat lady, so I am truly enjoying this series. I love it how Jillian's cats *help* her solve mysteries.
Jillian is asked to go to the home of a very rich lady, Ritaestelle Longworth, to report to her that she has Ritaestelle's cat. When she arrives, she is told that Ms. Longworth is not seeing anyone. There is a commotion upstairs and Jillian being just a tad nosy goes up the stairs to see what the commotion was all about. She briefly sees Ms. Longworth but is hurriedly ushered out the door.
In the middle of the night Ritaestelle finds Jillian and comes knocking on her door. That same evening a body is found by the lake by Jillian's house. Ritaestelle is found nearby and she is soon # suspect, but Jillian can not believe that this older lady could commit this murder.
Jillian Hart is at it again! There is a cat in trouble and she must help out. A gorgeous stray cat has been found by the local animal shelter and Jillian has agreed to help track down the owner, who happens to be none other than Ritaestelle Longworth, the fabulously wealthy owner of a large estate in a neighboring town. Rumor has it that there is something wrong with Ritaestelle and her family claims she's been stealing form stores around town. Ritaestelle claims someone has been drugging her and spreading lies. Before Jillian can get to the bottom of things a body turns up in the lake behind Jillian's house with none other than Ritaestelle standing nearby.
The Cat, the Lady and the Liar is the third in Leann Sweeney's Cat's in Trouble series. I am absolutely loving these cozy mysteries. The characters have grown on me to the point I feel like I'm visiting old friends. Jillian is back along with her best friend Deputy Candice Carson, step daughter Kara and new boyfriend/PI Tom Stewart. We are also introduced to the Longworth family and in the next town over. What a group of characters! It is unfortunate and completely believable that a group of people would behave so badly to towards their benefactor. Leann Sweeney knows her cats! Jillian's cats contributed greatly to the story, helping to provide clues without being overly obvious.
When middle-aged widow Jillian Hart does a favor for a friend who runs a shelter for rescued cats, little does she know that she will be risking her life and that of her beloved cats. After an unsuccessful attempt to see the owner of cat, Isis, that her friend is sheltering, Jillian finds the woman, Ritaestelle Longworth, on her doorstep – in a bathrobe. What follows is the discovery of a dead woman – an assistant to Ms. Longworth – in the lake outside Jillian's home in Mercy, South Carolina. And there's blood all over Ritaestelle's bathrobe.
Jillian doesn't believe for a minute that the elderly woman killed anyone, but her situation looks plenty suspicious. Plus, Jillian has been warned to stay out of Woodcrest, by no less than the town's police chief.
Nevertheless, Jillian winds up allowing Ritaestelle to stay in her home, along with her spoiled-rotten cat. Then her houseguest asks Jillian and her PI beau Tom to investigate what's been going on, figure out why someone seems to be setting her up for a murder rap. As it turns out, she has a whole houseful of relatives mooching off the wealthy Ms. Longworth. Might they be trying to have Ritaestelle declared incompetent so they can have access to her money?
Once again, Jillian Hart is dealing with a dead body, a cat, and a handful of interesting characters. This time, the dead body is in her backyard, but she's not a suspect. Instead, the main suspect is staying as a guest in her house while she solves this mystery.
The new characters are much more interesting than in the previous book -- Ritaestella Longworth is so precious! Several of the other characters are very well written to the point I would to slap them! The cat involvement is also better, although there could be more.
My biggest complaint (other than needing more cat scenes) is that I did figure out who the killer was about half way through the book. The characters were entertaining enough and I wanted to be sure I was right, so I had no problem finishing the book. I just like my mysteries to be mysteries until the very end.
This book is for three dear friends whom I have come to love: Kay, Lorraine, and Jennifer. Thanks for everything.
I try not to lie. Honest.
I rested a hand on his warm back - he'd been sunbathing somewhere - feeling so grateful that all of us, cats included, were safe.
Leann Sweeney is a LibraryThing Author, an author who lists their personal library on LibraryThing.


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Sanchez to swing through Goshen
By Ben Noll
Photo courtesy of Public Relations.
Audience members for the final Performing Arts Series concert of the year shouldn't get too comfortable in their seats.
The main event on Tuesday, Poncho Sanchez and his Latin Jazz band, is sure to have the crowd moving with their Afro-Cuban salsa beats. The evening will also include the highly-anticipated announcement of next year's Performing Arts Series lineup.
Next year's cast will feature more combined Grammy awards than any previous lineup in the prestigious series, which has included musicians such as Wynton Marsalis, Dave Brubeck and Bobby McFerrin.
Sanchez – a Grammy award winner for Best Latin Jazz Album in 2000 – is one of the most recognized congueros (conga drum players) in the world. He will be joined by seven other musicians incorporating bass, bongos, saxophone, flute, trumpet, trombone and many other jazz instruments with Sanchez's percussion and vocal stylings.
The concert on Tuesday will begin at 7:30 p.m. in Sauder Concert Hall. Tickets, starting at $20, are available by phone at 574-535-7566; online by e-mailing welcomecenter@goshen.edu; or by visiting the Welcome Center in the Union.
sauder concert hall
Written by Ben Noll
Senior Theater and Sociology double-major from Lancaster, Pennsylvania. I am currently in my second semester working as Arts page editor for The Record. I enjoy reading, going to the movies, eating, watching Philadelphia and Penn State sports, and thinking about graduation. Please feel free to contact me with any questions, criticisms, or story ideas. All good art, including journalism, is about collaboration!


Cyberattacks Happen. An Incident Response Plan Will Get You Through It.
Security incidents are, by their nature, unplanned and unpredictable. The one thing IT leaders can be sure of is that the threat is growing and that the actors behind those threats continue to improve in sophistication and efficiency. One of the best ways to respond to these threats is to have a fully integrated incident response plan.
While the nature, timing and origin of an incident may be uncertain, the likelihood of one occurring demands IT leaders be prepared to respond. Having a fully–integrated and regularly-practiced incident response plan is the best way to know how to handle a cyberattack from start to finish. A well-crafted response plan will spell out communications, documentations, and who's going to be on the team to take on responsibilities for various response processes.
Response plans are critical within an enterprise, but they are even more important when you're working with a cloud service or colocation provider. In a corporate environment, it's usually easier to corral all the individuals who are needed for execution, however, doing so may not be a formalized part of your plan. When you're operating within a multi-organization environment, it becomes even more important to have a documented plan that identifies how communications go between multiple organizations, when notifications are to occur, and how much transparency is needed between entities.
For instance, as a cloud service provider, at DataBank we have the concern about how much information we give out during an incident. We always maintain transparency, but must also ensure we're not compromising security, or that any security events that take place don't impact customer relationships. There are many layers of complexity to address.
Regardless of the unique properties of your organization, establishing and maintaining an integrated IR plan prior to an event occurring lets everyone know where they stand and what to expect. Testing throughout the year is also important for ensuring the process is smooth when an event comes to pass.
Let's review a real-life case example our security team dealt with right here at DataBank.
No one's immune to cyberattacks; that includes data center and cloud service providers. In September 2018, and later in November, a DDoS attack was launched against two of our facilities, more so in an attempt to disrupt our service than take it down entirely. The incident involved a multi-day attack, likely executed by an APT attacker.
Our security team is well-trained in incident response, so we immediately ran our IR plan and communicated to customers what was taking place. Internal tech teams as well as vendors worked together to identify the threat and where it was sourcing from, which in this case was a distributed, multi-location attack. When the attack pattern was identified, we were better prepared to defend against it.
Effectively combating against cyberattacks starts with a single best practice: have a security response plan. One of the best places to look for a plan template and plan guideline is NIST. NIST offers a "Computer Security Incident Handling Guide," which includes Special Publication 800-61, Revision 2 which identifies how you should work through an incident, including a template for creating your own IR plan.
Here are six steps to incident response we employ at DataBank, and frequently recommend to customers.
This step takes place when the incident starts occurring. When set up properly, the appropriate alarm systems go off and alerts are generated.
Post-detection, the security team has to contain and stop the attack from spreading or causing other problems.
Post-incident activities are particularly important because it ensures no one forgets some of the smaller details that can end up costing you when another event comes to pass. This brings the cycle back to the preparation step in ensuring your security team is 100% ready for the next attack that will occur. Unfortunately, it's a guarantee, and the best way to deal with it is having these steps firmly in place to enable the ability to recover and work forward, regardless of the event.
One way to ensure your incident response practice is covered is to enlist a security partner. Here at DataBank, we have an extensive team dedicated exclusively to recovery, containment, and detection. In many cases, smaller or medium companies may not have the ability to staff a seven-person security team, or establish the necessary resiliency for protection.
Keep in mind: part of preparing for an incident is doing risk assessments. Know how you have your organization set up and determine whether you can sustain through an attack. Conduct a threat to vulnerability risk assessment and determine if the current location of your data, IT resources, and systems, is good enough for your company. This is a key factor.
For example, if the average medium-sized company was attacked in the same way DataBank was in September, they'd probably have been taken down. This level of force is designed to take an unprepared organization off the grid for days, whereas a provider with resilient systems is built to withstand the attack.
1. Find an IR plan that's based on an industry standard.
We recommend NIST 800-s61 revision 2. Your industry standard of choice needs be emphasized in the documentation. If you cobble together a plan, it's harder to execute on and put together, plus it will be subject to auditing scrutiny.
2. Consider working with a redundant, resilient security partner rather than trying to tackle IR internally.
If you're understaffed, trying to deal with a full-scale cyberattack won't be easy, and neither will creating an incident response plan. A supporting partner such as DataBank can offer resiliency and redundancy that will allow you to remain up all of the time.
3. Always test your plan.
Test your plan and ensure it's ready to go. Incidents occur at a moment's notice and they certainly aren't designed to give you and your time to sit down and figure out how to deal with it. Have your fully tested plan in place in advance so it can be effectively activated when an incident occurs.
Looking for more tips on putting together an incident response plan? DataBank can help point you in the right direction to ensure you're prepared in the event of an attack. Reach out to DataBank, or call us at 1.800.840.7533 and speak to an incident response expert immediately.


Apple is launching a brand new phone on Tuesday, one we have come to know as the iPhone 8, and it will reportedly be a marvel of technical design. Rumors insist this new device will have a beautiful, bezel-less OLED display and facial recognition, among other improvements.
All signs indicate that the iPhone 8 will also have a $1,000 price tag. Expensive, especially considering the new phone will run on the old OS, no? While the price won't deter the most intense Apple enthusiasts, it seems a bit exorbitant for the budget-bound. Analysts, however, predict that Apple will sweeten the deal with add-ons, reports Business Insider.
For reference, an iPhone 7 Plus costs $769.
All said, the bundle presented by Barclays could be a deal for Apple's revenue stream. It could be a good deal for you too, if you're into free music and extra storage. And who isn't? We'll find out soon enough.


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Trillions of won of value is gone
A masked employee works at the dealing room of Hana Bank on Monday, in Jung District, central Seoul. Korean stocks plummeted amid a surge in confirmed cases. The benchmark Kospi shed 83.80 points, or 3.87 percent, to close at the lowest level in 16 months at 2,079.04 points. The won's value also dropped against the dollar, closing at 1,220.20 won. Gold prices have increased for two sessions straight as investors seek stable options amid uncertainties in the financial market. [YONHAP]
The Kospi index lost nearly 4 percent on Monday, closing under the 2,080-mark and shedding more than 56 trillion won ($45.9 billion) of value in a single day, as a rapid spread of the coronavirus spooked investors in a country that now has the second-highest number of cases after China.
The benchmark index closed at 2,079.04 Monday down 3.87 percent from the previous trading day's 2,114.04. This is the largest drop since October, 2018, when the Kospi recorded a 4.44 percent decline.
"The rapid increase of Covid-19 [coronavirus] patients in Korea as well as dull index in the United States has doubled down on the investment sentiment," said Han Ji-young, an analyst from KTB Investment & Securities.
"The U.S. S&P 500 also dropped by 1.3 percent, which seems to indicate the shock of Covid-19 is spreading around the world leading investors to avoid risk."
Han added that the shocks of contagious illness have not in the past affected the stock market for the long term. In the Middle East respiratory syndrome (MERS) and severe acute respiratory syndrome (SARS) outbreaks, sentiment returned quickly.
Foreign investors sold off 786.8 billion won worth of Kospi-index stocks on Monday, while individual investors and institutional investors purchased 607.7 billion won and 192.8 billion won respectively.
Korea's secondary market Kosdaq closed at 639.29, tumbling 4.3 percent Monday compared to the previous trading day. Its market cap declined by 10.3 trillion won.
The value of Korean won fell to 1,220.2 to the dollar, which is 11 won up from the previous trading day's 1209.2 won. This is the won's lowest value since it hit 1,222.2 to the dollar on Aug. 13, 2019.
"With an additional undershooting, the value of won could weaken until around 1,250 won. In regards to domestic stock market, if won-dollar exchange exceeds 1,200 won, foreign investors could come back by a small margin," said Moon Dong-yeol, an analyst at Samsung Securities.
The Korean government said if the Korean won value falls further, it would roll out necessary financial measures.
"We are paying keen attention to foreign exchange market," said Korea's Vice Finance Minister Kim Yong-beom on Monday.
"If the market volatility increases too much, we will swiftly roll out a prepared contingency plan."
The Financial Services Commission, Korea's top financial regulator, acknowledged the urgency of the matter Monday, saying it would cooperate with Financial Supervisory Service and Korea Center for International Finance to come up with an emergency plan.
Lee Ju-yeol, governor of Korea's central bank, held an emergency meeting Monday after returning from a business trip to Saudi Arabia a day earlier than planned.
"Lee said that [Bank of Korea should] monitor movements in domestic finance and foreign exchange market as the Covid-19 patients in Korea rapidly increases and the virus alert was raised to the highest level," the bank said in a release.
BY JIN EUN-SOO [jin.eunsoo@joongang.co.kr]