The court's decision in Re Narumon Pty Ltd  QSC 185 was handed down in August 2018 and involved a number of issues - including the validity of binding death benefit nominations - related to self managed superannuation funds. Here we try to summarise the important parts of the case.
Mr John Giles died in June 2017 aged 80. He was survived by his second wife (Mrs Narumon Giles) his son with his second wife and four adult children from his first marriage.
The Fund was established in 1992 and at the time of the death of Mr Giles the Fund had three members (Mr Giles, Mrs Giles and Mrs Keenan – the sister of Mr Giles) with a corporate trustee, Narumon Pty Ltd.
As a result of the death of Mr Giles, the Fund had only two members and the directors of the corporate trustee were Mrs Giles and Mrs Keenan. Mrs Keenan later resigned as a director and her small member account balance was paid out, leaving Mrs Giles as the only member of the Fund and as the only director of the corporate trustee.
While Mr Giles left a comparatively small estate (about $200,000), the bulk of this wealth was contained in the Fund – an accumulation account of about $1m and a lifetime complying pension, the capital value of which was about $3m.
The case commenced as a result of the trustee seeking declaratory relief from the Court as to three legal issues which had arisen in relation to the administration of the Fund and the application of the death benefit of Mr Giles. Those issues were: first, which trust deed contains the current terms of the Fund; second, whether the complying lifetime pension was reversionary; and lastly, which of the binding death benefit nominations made by or in respect of Mr Giles applied.
This issue is important as it determines not only whether the Fund permitted binding death benefit nominations (and what requirements must be satisfied for the nomination to be binding) but also the default allocation rule which applies if there is no binding death benefit nomination.
While the Fund was established in 1992, there had been amendments in 1995, 1999, 2004, 2007 and 2014. Each of the amendments (apart from the 2014 amendment) completely replaced the previous provisions with a new set of provisions.
The 2014 amendment deed was not a replacement deed: rather it purported to "cure" the invalidity of the 2007 amendment deed. The invalidity of the 2007 amendment was due to the requirement that an amendment had to be made by deed and the 2007 amendment was not in the form of a deed. In the 2014 deed, the trustee sought to retrospectively ratify its execution of the 2007 amendment deed as to apply the amendments proposed to be made by the 2007 amendment deed from its date of execution, ie 29 June 2007.
The Court held that while the 2014 deed could not effect a ratification of the 2007 deed (and have the 2007 changes apply from 29 June 2007), it could apply from 22 August 2014 (being the date of execution of the 2014 amendment deed). This conclusion was reached as the 2014 amendment deed was an effective exercise of the amendment power contained in the 2004 deed.
(2) whether the manner of exercise of the power satisfied the terms of the amendment power.
Simply misidentifying the amendment power (say, Rule 7 instead of Rule 5) does not, of itself, mean that the amendment power has not been validly exercised.
Second Issue: Was the lifetime complying pension reversionary?
This issue arose because no documentation could be located as to the issue of the complying lifetime pension. [Editor's note: If the fund had been a SuperCentral member they could have found these documents on the fund's page on the SuperCentral website].
While there was no primary evidence of the issue of the pension (eg pension documents, trustee minutes) which could be located, the Court held there was compelling secondary evidence of the issue of the pension; the secondary evidence being the audited financial statements of the fund, the fund annual reports and the existence of actuarial reports in respect of the pension. Importantly these secondary evidence documents involved third parties (auditor and actuary) and were contemporary with the continuance of the pension.
As to whether the pension was reversionary and, if so, to whom, the actuarial reports provided compelling secondary evidence that the pension was reversionary as the life expectancy of Mrs Giles was used to value the pension liabilities. Clearly this meant that the pension was reversionary to Mrs Giles.
Mr Giles over the course of three years made five binding death benefit nominations. Additionally, Mr Giles' attorneys signed a document on 16 March 2016 purporting to "extend" the last death benefit nomination made by Mr Giles. Also on 16 March 2016, the attorneys signed a binding death benefit nomination which was materially identical to the last nomination made by Mr Giles.
Fortunately, the Court accepted that the last nomination made by Mr Giles on 5 June 2013 ("the 5 June 2013 Nomination"), had the effect of revoking all of his previous nominations. Consequently the relevant issues were whether the 5 June 2013 Nomination was binding, whether the "extension" was effective and whether the replacement nomination was effective. The 5 June 2013 Nomination was subject to a "3 year time limit"; hence, the need for the "extension".
Mr Giles died 14 June 2017. On his death the trustee had to determine which nomination, if any, applied. The 5 June 2013 Nomination (as extended) or the 16 March 2016 Nomination? If neither nomination applied then the default allocation rule would apply.
Was the 5 June 2013 Nomination valid?
The validity and application of a nomination are separate issues. A nomination may be valid but not applicable to a death benefit as the member may have died more than three years after the making of the nomination.
The validity of the nomination depended on whether the nomination satisfied the requirements specified in the trust deed and the requirements (if any) which a nomination must satisfy set out in the SIS legislation.
Did the nomination have to satisfy the "requirements of Superannuation Law"?
The simply expressed text "some other form that complies with the Superannuation Law" is ambiguous.
The Court held that SIS Regs 6.17A(4) and (6) do not apply to self managed superannuation funds. This is the same conclusion reached in Munro v Munro and by the Full Court of South Australian Supreme Court in Cantor Management Services Pty Ltd v Booth.
The Court also dismissed the argument that the SIS Reg 6.17A requirements had been imported into the trust deed by means of a definition of "Superannuation Law" which was defined to be the "SIS Act, SIS Regulations and any other laws or regulations that the fund must comply with to be a regulated superannuation fund". The Court preferred the reasoning of Munro v Munro to that of Donovan v Donovan: SIS Reg 6.17A is not a provision of the SIS Regulations with which a self managed superannuation fund must comply and, consequently, it does not fall within the definition of "Superannuation Law".
Is the 5 June 2013 Nomination invalid because it nominates a non-dependant?
The Court held that the nomination was partially invalid to the extent of Mrs Keenan's nomination. The Court adopted a "practical and purposive approach" to hold that the preferable construction of Rule 12 was that the notice is binding on the trustee to the extent that person or persons nominated are the LPR or a dependant.
In summary the 5 June 2013 Nomination was valid but not binding on the trustee solely because the trust deed required the nomination to be made within three years of the death of the deceased member. The nomination was made four years before Mr Giles death and, therefore, was not binding.
Was the 5 June 2013 Nomination validly extended?
On 16 March 2016 (within three years of the making of the 5 June 2013 Nomination) Mrs Giles and Mrs Keenan in their capacity as attorneys for Mr Giles signed a document called "extension of binding death benefit nomination" ("the Extension Document"). This document purported to confirm the 5 June 2013 Nomination and extend its operation for a further period of three years – presumably from the date of the document.
Was this document legally effective? Could a nomination be extended under the provisions of the trust deed and, if so, did the attorneys have the power to extend the nomination and, if so, were they permitted by the Powers of Attorney Act 1998 (QLD) to extend a nomination where they directly benefited from the nomination?
The Court noted that neither the 2004 rules nor the 2014 rules expressly dealt with a nomination being extended before its expiry. As neither the 2004 or the 2014 rules permit nominations to be "extended", the effect of the Extension Document made on 16 March 2016 and of the new nomination also made on 16 March 2016 depend firstly on whether the "Extension Document" and the 16 March 2016 Nomination satisfy the requirements of Rule 31 of the 2014 Rules and secondly, on the scope of the attorneys' powers.
Does the Extension Document satisfy the requirements of Rule 31.4?
Strangely, while this issue was raised by the Court, there is no discussion of whether the Extension Document satisfied the requirements of Rule 31.4.
Given the 2014 rules specify only four substantive requirements it seems that the 5 June 2013 Nomination would satisfy all of those four substantive requirements. The fact that the 5 June 2013 Nomination satisfies additional requirements which are not inconsistent with the four substantive requirements of Rule 31.4 is not relevant.
Did the Attorneys have the power to make the Extension Document?
The Court concluded that there is no restriction in the SIS Regulations preventing an attorney under an enduring power of attorney from signing a binding death benefit nomination on behalf of a member.
Equally the 2014 Rules expressly provide that an attorney under an enduring attorney can exercise any right conferred on a member by the trust deed in Rule 5.4.
The only issue is whether the attorneys are precluded from exercising the member's right to make a binding death benefit nomination by reason of the provisions of the Queensland Powers of Attorney Act. Under the Act, the enduring attorney can exercise any right conferred on the principal that can be delegated so long as the exercise of the right is either not excluded by the power of attorney or the right is a "special personal matter" such as "making or revoking a will, making or revoking a power of attorney, exercising a rights to vote in political elections, marriage, adoption, etc". In particular, making a binding death benefit nomination (or altering or revoking or extending a binding death benefit nomination) is not a special personal matter as it is not a testamentary act.
The Court held that the right to make, vary, extend or revoke a binding death benefit nomination for a member while not within the listed items of "financial" or "legal" matters, would nevertheless be within the general scope of "financial" and also "legal" matters. The Court noted that the listed items are not exhaustive and, therefore, do not limit the meaning of the provision.
The next issue is whether the actual exercise of the power of attorney is defective due to the personal interest of the two attorneys. Attorneys must avoid conflict transactions unless they are expressly authorised by the principal to undertake conflicted transactions. The authorisation could be set out in the terms of the power of attorney (eg expressly authorising the attorney to make a binding nomination under which they are a beneficiary). Unfortunately, the power of attorney granted by Mr Giles did not have a relevant express authorisation permitting the attorneys to exercise the right to make a binding death benefit nomination.
The Court accepted the argument that the making of the Extension Document was to ensure continuity of Mr Giles' estate planning arrangements which he had created and it was those estate planning arrangements which are the source of the benefits of the two attorneys. Consequently the exercise of the power of attorney to effect the extension of the 5 June 2013 Nomination was the implementation of a transaction which the principal had authored and therefore authorised.
While the 16 March 2016 Nomination was materially the same as the Extension Document the Court held that, in the absence of the express authorisation within the power of attorney, the 2016 Nomination could not be accepted as a valid exercise of the power of attorney.
The Extension Document was held to constitute a valid binding death benefit nomination. However, the 5% gift to Mrs Keenan was ineffective because she was not a dependant of Mr Giles. This 5% gift would fall to be allocated by the default rules applying to death benefits which are typically, a discretion to be exercised by the trustee.


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[PMID 22006983 ] Genetic variants of the NOTCH3 gene in the elderly and magnetic resonance imaging correlates of age-related cerebral small vessel disease.
[PMID 22373597] Two novel mutations and a previously unreported intronic polymorphism in the NOTCH3 gene.
This page was last edited on 6 January 2018, at 09:14.


text:
Q: Why is past simple better in this exercise "Luckily he had brought a bottle of barbecue sauce with him to the barbecue, and he ____________ (survive) by drinking water mixed with barbecue sauce."
The test says only "survived" is correct in this blank.
I don't understand why it is not had survived because at the time of writing when he was found the survival was completely ended BUT it is true that this event is obviously before he was found (no confusion can be made)
https://www.liveworksheets.com/worksheets/en/English_as_a_Second_Language_(ESL)/Past_tenses/Narrative_forms_to1591619tu

A: There seems to be a sequence of events told in chronological order.
"He survived" is one of these events told in chronological order
You do not usually use past perfect for events in a narrative that are told in chronological order.

A: Any indicative tense will fit grammatically into that blank - depending on the meaning one wishes to attach, and what comes next - i.e. in the next sentence. .
Past tense: - "he survived" - a simple statement of something concluded.
Present perfect: - "he has survived" - meaning he has so far survived, but possibly that happy state of affairs may not continue.
Past perfect: "he had survived" - might be used if the next sentence went on to say that something subsequently happened - e.g. he was struck by a bolt of lightning.
Future: "he will survive" - a prediction of what will happen.
Future perfect: "he will have survived" - e.g. by the time the rescuers arrive.
Conditional: "he could survive" - e.g.provided he is in robust health to start with.
Conditional perfect: "he could have survived" - e.g. if only he had been able to get the top off the bottle.
Imperfect: "he was surviving" - e.g. but one couldn't expect him to survive much longer.
And finally - the simple present tense and/or the present continuous - "he survives", or "he is surviviving".

A: "Had survived" is the correct answer.
At that point in the simple past narrative, the event of "finding" him had already happened, so "surviving" by drinking the barbecue sauce was finished -- the moment he's found by the rescue team, he's no longer "surviving", at least not on barbecue sauce. This means any reference to the days he spent surviving requires the past perfect tense.
For what it's worth, most ESL study material I've found online has been flawed in one way or another, so I'm not at all surprised. It's hastily made, and not reviewed again.

redpajama_set_name: RedPajamaStackExchange


Various political heavyweights are set to contend with each other in the capital as an aggregate of 136 competitors recorded designation papers with the election specialists for the three national assembly seats up for snatches in the government capital.
The urban center of Islamabad in NA-53 will witness the juiciest of political conflicts with previous executive Shahid Khaqan Abbasi going up against prime ecclesiastical confident Imran Khan in one of the greatest conflicts between main adversaries Pakistan Muslim League-Nawaz (PML-N) and Pakistan Tehreek-e-Insaf (PTI).
The body electorate, which comprises of the majority of urban Islamabad and Bhara Kahu, has pulled in upwards of 70 candidates, the greater part the quantity of assignment papers recorded from the three voting demographics of the city. Aside from Imran and Abbasi, other striking contender to have recorded papers from this voting demographic are Pakistan Peoples Party's Syed Sabtul Haider Bukhari, the sibling of previous Senate administrator Nayyar Bukhari.
Up against these goliaths is Awami Workers Party's Ammar Rashid.
A few hopefuls, however, have recorded papers for in excess of one voting demographic while there are likewise covering competitors.
Prime among them is PTI's Imran. While NA-53 can be viewed as his 'home voting demographic', given his palatial Bani Gala house falls inside it (not at all like the last parliamentary seat he had won, NA-56 in Rawalpindi, which he scarcely ever gone to) implies that he will invest more energy with his constituents. Be that as it may, Imran has likewise recorded papers from NA-35 Bannu, NA-95 Mianwali — his hereditary main residence, and NA-131 Lahore.


Rotherham United can now confirm the permanent signing of Huddersfield Town forward Danny Ward for an undisclosed fee, subject to Football League ratification.
The 24-year-old initially signed on a one month emergency loan deal on Friday but after completing formalities this morning he has penned a permanent stay at the AESSEAL New York Stadium on a two-and-a-half year deal.
Ward made his debut for the Millers at the weekend in the match against Brentford.


text:
package com.example.ORMLiteOneToMany;

import android.app.Activity;
import android.content.Intent;
import android.os.Bundle;
import android.view.View;
import android.widget.ArrayAdapter;
import android.widget.EditText;
import android.widget.Spinner;
import com.example.ORMLiteOneToMany.access.DatabaseHelper;
import com.example.ORMLiteOneToMany.model.Client;
import com.example.ORMLiteOneToMany.model.Commercial;
import com.j256.ormlite.dao.Dao;

import java.sql.SQLException;

/**
 * Created by sam on 04/02/2016.
 */
public class CreerClientActivity extends Activity {

    private DatabaseHelper dbhelper;
    private Spinner spinner;
    private ArrayAdapter<Commercial> adapter;

    @Override
    protected void onCreate(Bundle savedInstanceState) {
        super.onCreate(savedInstanceState);
        setContentView(R.layout.creer_client_activity_layout);
        this.dbhelper = new DatabaseHelper(this);

        this.spinner = (Spinner) findViewById(R.id.spinnerCommercial);
        try {
            Dao<Commercial, Integer> daoCommercial = dbhelper.getDaoCommercial();
            this.adapter = new ArrayAdapter<Commercial>(
                    this,
                    android.R.layout.simple_spinner_item,
                    daoCommercial.queryForAll()
            );
            this.spinner.setAdapter(adapter);
        } catch (SQLException e) {
            e.printStackTrace();
        }

    }

    public void clickOK(View view) {

        EditText etNom = (EditText) findViewById(R.id.etNom);

        Client c = new Client(
                etNom.getText().toString(),
                this.adapter.getItem(this.spinner.getSelectedItemPosition())
        );
        try {
            this.dbhelper.getDaoClient().create(c);
        } catch (SQLException e) {
            e.printStackTrace();
        }
        setResult(Activity.RESULT_OK);
        finish();
    }

}

redpajama_set_name: RedPajamaGithub


text:
Photo: Aung Thu Myint
Inle /
Jumping Cat Monastery
Nga Phe Kyaung Monastery lies on the west of Inle Lake, just north of Ywama village. Built on stilts at the end of the 1850s it is a beautiful wooden structure and harbours within a comprehensive collection of ancient Bagan, Shan, Tibetan and Ava-style Buddha Images.
The monastery gained notoriety as the 'Jumping Cat Monastery of Inle Lake' as locals visiting the monastery noticed the head monk there - presumably in the quieter hours between study and meditation - training the cats to jump through hoops or even his own linked arms. The rumours spread and soon the number of visitors to Nga Phe Kyaung Monastery mushroomed. When a new sayah daw took over as head abbot at the monastery, the performances came to an end. The cats remain at the monastery and it is rumoured that the more seasoned among their number still retain their former show biz know-how.
Surreptitiously hoop your arms together and see what transpires. Also, enjoy playing with the kittens while you have the chance. It is said that the numbers of felines are kept in check by sticky-finger locals who will stealthily pop the prettier whelps into their Shan tote-bags while feigning interest in the dusty artefacts.
Former visitors to Nga Phe Kyaung have recounted alternative impressions of the jumping cat monastery. Rory Maclean for example, in his book Under the Dragon (1999), wrote that 'the monks bullied and shoved angry, tail-snapping cats through hoops for the entertainment of tourists.' If this was the case, we can be glad that the shows have now come to an end. Whatever the origin of the jumping cats, it should be remembered that Nga Phe Kyaung is a monastery, and travellers should respect it as such when visiting.
Though the monastery closes to visitors just before sundown, if you are passing by on your way back from Phaung Daw Oo or the Indein pagoda fields, it is worth drifting around this serene wooden structure in the light of dusk.
Have a look at our Suggested Journeys that incorporate a trip to Nga Phe Kyaung, or alternatively find out how we curate Tailor-Made Journeys.
On the banks of the lake, Nyaung Shwe is Inle's bubbling social hub.
Villa Inle Resort & Spa
A deluxe hotel spread over more than 20 acres on Inle's east.
Inle Lake View Resort & Spa
Low-key, elegant, this is one of the cosier resorts around Inle Lake.
Inle Stilt Houses
Designed in Inthar style, in these boutique rooms guests never leave the ambience of Inle.
To the Land of Green Ghosts
Travel beyond the Grand Four, south of Inle Lake to Samkar and the home of the Kayah.
Aureum Palace Resort Inle Lake
Offering top views of the lake and over the assorted lotus ponds.
Boutique hotel passionate about the local culture and traditions.
Inle Inn Pindaya
Surrounded by the famed Banyan trees of Pindaya, this is the town's most comfortable and cosy hotel.
Sanctum Inle Resort
Here simplicity is the essence of elegance, with the arches and cloisters nodding towards a more con
Peppered with pigeons, the most important shrine in Shan State.
Down a twisting canal explore hidden and crumbling stupas and shrines.
Taunggyi is an old British Hill Station and the capital of Shan State
This pagoda field is one of Asia's finest expressions of Buddhism.

redpajama_set_name: RedPajamaCommonCrawl


Jen of hoodratroughdiamond wrote the sweetest little blog post about the swap we did. I love the way she styled the rosette; she's definitely a new fashion icon of mine.
Stitch Witches Collective on Facebook is going from strength to strength, with crafty swaps being discussed and plans for meet-ups afoot. Plus we now have 146 members! Fellow founding member Hannah and I are meeting up the week after next to initiate the next stage of making the Stitch Witches zine a reality.
PS You can get your hands on your own Stitch Witches rosette here.


text:
NICAR converts White House salary data
By Charles Minshew, Director of Data Services
Today, the White House released the salaries of Executive Office staff members as a PDF.
The NICAR Data Library has converted this file to a CSV for download, publication and sharing. You can access the file in our Github repository.
The database includes salaries for 377 Executive Office employees. Senior policy advisor Mark S. House, a senior policy advisor, has the highest pay -- $187,100. Three employees have no salary: Jared Kushner, Ivanka Trump and Reed Cordish.
Charles Minshew, IRE Director of Data Services
Inspired by our members, IRE is pleased to announce the first release of raw, unprocessed data from the NICAR Database Library.
The contents of the FBI's Uniform Crime Report (UCR) master file for 2015 are now available for free download on our website. The package contains the original fixed-width files, data dictionaries for the tables as well as the FBI's UCR user guide. We are planning subsequent releases of other raw data that is not readily available online.
Last week, Buzzfeed released 40 years worth of federal salary data to the public that it received via the Freedom of Information Act. Their work inspired us to do the same with data held by the NICAR Database Library. The UCR data we're releasing today is only available via public records request.
The yearly data from the FBI details arrest and offense numbers for police agencies across the United States. If you download this unprocessed data, expect to do some work to get it in a useable format. The data is fixed-width, across multiple tables, contains many records on a single row that need to be unpacked and in some cases decoded, before being cleaned and imported for use in programs like Excel or your favorite database manager. Not up to the task? We do all of this work in the version of the data that we will soon have for sale in the Database Library.
The NICAR Database Library at IRE maintains a number of federal datasets and houses decades worth of data from dozens of federal agencies. We also conduct custom data cleaning and analysis for newsrooms around the world. For information or a quote, email us at datalib@ire.org or call us at (573) 884-7711.
Reporters rushed to download data from the Environmental Protection Agency's open data portal after a contractor reported the portal would shut down this Friday. But the EPA called reports untrue Monday morning and stated that the site will not close and that data will remain available.
Users visiting the EPA's open data portal were greeted with the message that "This site will be shut down Friday, April 28, 2017." At one point on Monday, the website was unavailable due to a high number of visitors. That message has since changed to read: "The data on this Web site will continue to be available on April 28, 2017."
In March, IRE & NICAR announced plans for a federal data directory that will connect reporters and the general public to at-risk, rescued data sets. The directory currently links to hundreds of datasets, including EPA data rescued by DataRefuge, as well as some saved by IRE members.
The Washington Post's Steven Rich, an IRE board member, is downloading some of the data currently stored in the EPA open data portal, despite assurances from the agency.
"As we saw with the sudden shuttering of open.gov, open data portals are only available for as long as they're available," Rich said. "Even though the EPA's open data portal may not be shutting down on Friday, there's no guarantee the site will remain forever."
During previous government shutdowns, data portals for the U.S. Census Bureau and other agencies became inoperable.
This worry follows a Sunday post from EPA contractor 3 Round Stones, the company that powers the data portal, stating it was notified by the EPA to be prepared to shut down the EPA's Open Data portal by noon on Friday, April 28. CEO Bernadette Hyland has since updated her post on Medium to read, "The service will remain operational and available."
In a statement emailed to IRE, EPA spokesperson John Konkus said that Hyland's original statement was "inappropriate and unauthorized."
"This is a contractor sending inappropriate and unauthorized communications on EPA's behalf," Konkus wrote. "The website isn't going anywhere, and this episode has little to nothing to do with contingency plans in case of a shutdown."
IRE has reached out to Hyland requesting a response to the EPA spokesperson's statement.
Want to help our data preservation efforts? Let us know if you have collected a dataset, by filling out our federal data survey.
Charles Minshew is IRE's Director of Data Services
Lois Norder, The Atlanta Journal-Constitution
Documents concerning doctors in every state accused of sexual misconduct are now being made available to journalists and other researchers by The Atlanta Journal-Constitution.
The newspaper has created a data portal to share the information, which it gathered in its recent investigation "Doctors & Sex Abuse." That includes public medical disciplinary orders from every state, as well as court records and other documents.
Most of the documents were obtained by scraping medical board websites, and the AJC notes that some websites didn't include every document on a physician and that scraping may not have obtained every order posted. Those are important caveats to keep in mind.
But the catalog of cases could allow journalists to examine their state's handling of sexual misconduct cases and identify doctors allowed to continue practice after findings that they abused patients. Documents can be searched by state, by doctor name, or by certain words in the text.
The portal is at http://ajc-data-share.herokuapp.com/
Journalists must agree to ground rules before being granted access. The AJC is requesting that those who use the information for stories also link from their coverage to the doctors.ajc.com website.
More information about individual states and their handling of abuse cases can be found at doctors.ajc.com/states/
That site includes each state's rating on patient protection laws and other state highlights.
In an effort to promote rescued federal data and prevent duplicated efforts, IRE and NICAR are cataloging rescued data in a public directory.
Below is a list of datasets saved by concerned IRE members as well as data held by other data rescue organizations including DataRefuge. To access the rescued data, please follow the link provided in the table.
If you saved a dataset and are willing to share, please take our survey.
There are some datasets of concern that are still publicly available. In the cases of data saved by an IRE member, we provided the link to the original source. If the dataset disappears, we will work with the member holding the data to ensure it's publicly available.
The NICAR Data Library has updated the National Inventory of Dams (NID), a database kept by the U.S. Army Corps of Engineers on dams in all 50 states, Washington D.C. and Puerto Rico with details that include structure type, purpose, owner, most recent inspection date and inspection frequency. The data also includes latitude and longitude.
The safety of America's dams has been in the spotlight after the main spillway at the Oroville Dam in California, the country's tallest, collapsed.
You can use these records to zero in on neglected and potentially dangerous dams in your area. In the past, newsrooms have used the data to produce stories on emergency preparedness, aging infrastructure, and the effect of dams on the environment.
More than 3,000 dams have been added to the inventory since the last update from the NICAR Data Library in 2015. In this most recent update, the USACE has included previously-withheld information in the inventory. These two fields list the name of the closest city to the dam and its distance from the dam. The USACE still withholds the hazard ranking of individual dams from the public. The hazard ranking indicates how bad it would be if a dam fails; a dam is ranked "high hazard" if people will likely die in that event. Seventeen percent of the nation's 90,500 dam structures fall into this category.
While the USACE will not release that information for individual dams, they do provide state-level data. We've compiled that into a spreadsheet and included it with the 2016 update. We also include the 2015 dataset as well as the 2002 version of the database which includes hazard rankings. This 2002 data is a starting point for further reporting but note that the rankings might have changed since then.
The team at NICAR has created a guide to getting started with the data and finding the story. You can also download additional documentation from the NID database page.
The IRE Resource Center also has tipsheets and stories to help you get started:
Infrastructure CAR (tipsheet): The authors list and explain sources for infrastructure data and describe how they can be used for CAR stories.
Probes into dams and bridges (tipsheet): Davidson suggests possible issues to investigate and offers suggestions on how to proceed.
Disaster Ahead? Deregulated Dams (story): An old Tennessee law allows dams to be downgraded from high-hazard status, exempting them from safety regulations.
Dangerous Dams (story): This story details the lax enforcement of rules and regulations of high-hazard dams that are in imminent danger of failing.
To purchase this data from NICAR, IRE members should visit the NID database page and log in to purchase and download the data online. Non-members should contact the Data Library at datalib@ire.org or (573) 884-7711.
Editor's Note: This article first ran on the California Civic Data Coalition's website on Oct. 8. Ben spoke at our San Diego Data Watchdog Workshop, a program funded by the Ethics and Excellence in Journalism Foundation.
By Ben Welsh
Last weekend, I traveled to the campus of San Diego State University to join a journalism workshop put on by Investigative Reporters and Editors.
Dozens of students and journalists gathered from across Southern California — and even as far as Mexicali, Mexico — to learn advanced online research techniques, receive Microsoft Excel instruction and develop other skills during two days of training.
One of the offerings was a new class created by our team titled "First Python Notebook: Scripting your way to the story."
Over three hours I walked about 20 students through the fundamentals of the Python programming language by using the Jupyter Notebook programming environment to interrogate data and develop a story.
Our subject: Contributions to campaigns for and again Proposition 64, a ballot measure asking California voters to decide if recreational marijuana should be legalized.
The data: Drawn from this site's bulk download service that repackages CAL-ACCESS, the jumbled, dirty and difficult database that tracks money in California politics.
The complete script for the class is now available online on GitHub for anyone to take at home or teach elsewhere. We're aiming to expand and improve it for future events, so if you give it a try I'd love to hear your feedback. Email me any time at ben.welsh@gmail.com.
View of Hurricane Katrina destruction in the city of New Orleans. (Photo by NOAA / Creative Commons)
In the wake of any natural disaster, there's a seemingly endless number of public service and accountability stories to chase. You want to know when the power is going to come back on. How many people have been displaced, injured and (in the worst storms) killed. Did officials take the right precautions?
We often focus on the toll these disasters take on individuals, but there's another important frame to consider – an economic one. Businesses are damaged, some never to open again. Workers get laid off. The long-term impact is huge.
Fortunately, the Bureau of Labor Statistics has made it a little easier for reporters to assess the potential economic impact of storms like Hurricane Matthew. The bureau used flood zone maps and geocoded employment data to calculate the number of businesses at risk during a hurricane. The 2012 data also includes the average number of employees working in these zones, as well as the total quarterly wages. You can look at the data on a state and county level, which makes it a great tool for local and national reporters alike.
So, for instance, you could report that:
In Florida, an average of 1.4 million employees working at 127,433 businesses could have been affected by Hurricane Matthew, a Category 4 storm. Nearly 4,000 of those businesses are in Duval County (Jacksonville), Florida.
In Charleston, South Carolina, 6,820 businesses were found in the flood zone for a Category 4 storm. The total quarterly wages at stake? $1.2 billion.
Tips for further reporting:
Broaden your scope. Did water pour into your favorite local restaurant? Maybe a popular small business ended up with serious damage. We see lots of stories about the fates of one or two businesses in the wake of a storm. Use the BLS data to zoom out and add context. That restaurant was just one of X-number of businesses in the flood zone in your county.
Which industries are at risk? The hurricane zone data doesn't drill down that far, but there are some workarounds. For instance, you could look up the most prominent industries in a specific county. That could give you some good leads on where to focus your in-person reporting efforts. (Jump to the bottom of this post for more details on how to look up information on industries.)
Watch for people filing for unemployment. If businesses are damaged or destroyed, it's likely that many employees will be temporarily, if not permanently, laid off. Keep tabs on the Unemployment Insurance Weekly Claims Data, which is updated every Thursday by the Department of Labor. It might take a couple week or months for the numbers to go up, so check it regularly.
Learn more about the data on the BLS flood zone FAQ page.
Tips for looking up prominent industries:
Use the Quarterly Census of Employment and Wages table builder.
Select "NAICS 6-digit industries, one area."
Filter down to your county.
If you sort "March Employment Location Quotient" from highest to lowest, you'll get your answers.
You might be wondering, what are "location quotients" and why sort on them? Location quotients are ratios that allow us to see if a specific industry has a greater share of employment compared to the nation as a whole. David Hiles of the Bureau of Labor Statistics explains:
If an LQ is equal to 1, then the industry has the same share of its area employment as it does in the nation. An LQ greater than 1 indicates an industry with a greater share of the local area employment than is the case nationwide. For example, Las Vegas will have an LQ greater than 1 in the Leisure and Hospitality industry because this industry makes up a larger share of the Las Vegas employment total than it does for the nation as a whole.
Student debt is quickly becoming a national crisis. But reporting on student loans and college finances has always been thorny, especially when dealing with complicated bureaucracies and patchwork data.
Earlier this year, for the first time ever, the Obama Administration released a comprehensive intersection of student population, college performance and "outcome" data, measuring with precise detail who gets into what school and what they do after graduation. But the Department of Education's raw "College Scorecard" is a labyrinth of information covering some 7,800 campuses all over the country, broken down by almost 2,000 different variables – everything from enrollment demographics and SAT scores to repayment rates and post-graduate earnings.
Today, NICAR is offering a simplified, Excel-ready version of the database – College Scorecard Simplified – along with a data dictionary and step-by-step guide on how you can analyze data specific to your beat and start reporting. We've cleaned and pared down the original database to include the most usable fields, a step that will save busy reporters a great deal of time. We're also providing a robust list of caveats, in addition to the DOE's documentation and other important resources, most notably ProPublica's Debt by Degrees project.
NICAR's free College Scorecard Simplified database is accessible for reporters of any experience level to quickly download and analyze. Using the data, newsrooms can track and compare schools' accessibility across different income levels alongside performance metrics and ultimate outcomes.
Many schools across the country are under budget constraints, so understanding how appropriations have impacted students can paint a vivid picture in your city or state. The Scorecard also provides insight into the world of private for-profit colleges, which have sprung up in cities – and online – across the country. Most importantly, the data covers all federal grant and loan recipients, so reporters can now measure the effectiveness of government aid across different types of students and schools.
This project was prepared by Brett Murphy, the 2016 IRE and NICAR Google NewsLab Fellow. Special thanks to Annie Waldman at ProPublica and Andrea Fuller at the Wall Street Journal.
FBI Uniform Crime Reports (UCR) is one of the best tools for tracking crime trends in communities nationwide; FBI UCR data for 2014 is now available from the NICAR data library.
Law enforcement agencies around the country voluntarily submit reports to the FBI on what are known as "index" crimes: Murder, nonnegligent manslaughter, forcible rape, robbery, aggravated assault, burglary, larceny-theft, motor-vehicle theft and arson. These crimes are meant to serve as an index for gauging fluctuations in both the overall volume and rate of crime. The data include the number of crimes by agency and by month. Geographic information include region, state, county, city, and metropolitan statistical area (MSA).
UCR data can help you track different crimes in your community, as well as crime rates over time. Peruse IRE tipsheets for help:
How to Investigate Police Crime Reporting and Statistics: a cookbook
Telling Readers What They Want to Know About Crime
The IRE Resource Center also sells the handy guide Understanding Crime Statistics by Kurt Silver and Ted Gest (also available as an e-book). Call 573-882-3364 or email rescntr@ire.org for more information.
Please read the NICAR documentation carefully before using this data, and consult the FBI website for more information.
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Jack Davies is an associate director at Seven Hills, responsible for many of the firm's technology campaigns.
Tech London Advocates was founded in 2013 with a mission to harness the campaigning power of the private sector to champion London's tech sector and address the challenges faced by tech companies operating in the UK.
These were two simple objectives based on what were at the time a series of entirely unproven premises – that London could produce world-beating tech startups and scaleups, that change could be driven by the private sector rather than government bodies, and that the many busy individuals in London's tech sector would be willing to volunteer their time, resources and connections for the good of the wider industry.
Four years later and Tech London Advocates has 5,000 Advocates, while Russ and I have just returned from Singapore, where we launched Tech Singapore Advocates – the fifth international chapter of the group. What started as a bet on the power of network effects has become one of the most influential voices in British tech.
The great revelation of Tech London Advocates has not just been that London's tech entrepreneurs, experts and leaders have thrown open their black books, freely shared their expertise, and embraced a private sector-led network, but also that tech leaders overseas are desperate to create their own versions of the group.
Since launching, we have held Tech London Advocates events and campaigns in Manchester, Belfast, Copenhagen, Madrid, New York, Singapore and Bangalore. Each time Russ and I have been struck by the magnetic pull that a proudly independent, not-for-profit network has on people in totally different cities around the world, particularly one predicated on a spirit of volunteerism.
Time and time again, venues are offered free of charge, with speaker suggestions and introductions made on our behalf. It's a model that resonates and brings out the best of each city we have been to.
The uncomplicated ethos on which Tech London Advocates – and now Global Tech Advocates – is built is crucial to this success. Whilst newspaper headlines are dominated by populism and division, closing borders and Brexit, working with Tech London Advocates constantly reminds you of a very different universal truth – that people want to connect. They want to offer help and support; they want to welcome you into their city and share what they've learnt. They believe in a community that is global.
So much of the Tech London Advocates journey reflects the ethos, values and campaigning approach of Seven Hills. Our work generates front-page news, new policies being proposed and passed by government, and sometimes it's getting 100 people on the other side of the world to give up a few hours to talk about the problems tech companies face. Regardless, when a clear mission is combined with a fearless ambition to recognise challenges and attempt to address them, it has a galvanising impact on individuals, businesses and organisations.
And sitting on the plane back from Singapore to London, it's a good reminder that when we're told we're more divided than ever, a campaign that truly speaks to people always transcends city boundaries or national borders.


text:
Малькольм Перкінс Бейкер (; , м. Прага , Чехія) — професор фінансів у Гарвардській школі бізнесу і колишній член національної команди США з академічного веслування.

Біографія

Навчання та спорт
Бейкер закінчив школу Сент-Олбанс і почав веслувати в університеті Брауна. Ще навчаючись на першому курсі університету, він став членом команди національного чемпіонату і став видатним спортсменом-чоловіком 1991 року. Також Малькольм Бейкер отримав ступінь бакалавра в області прикладної математики та економіки в Університеті Брауна в 1992 році.Він виступав за національну команду США по веслуванню на чемпіонатах світу 1990—1991 років та на літніх Олімпійських іграх 1992 року. На Олімпійських іграх його команда з восьми чоловік фінішувала четвертою.Бейкер отримав ступінь магістра в галузі фінансів у  в 1993 р., а також ступінь доктора філософії в економіці бізнесу в Гарвардському університеті у 2000 р.У Кембриджі він допоміг команді екіпажу перемогти Оксфордський університет у «Гонці на човнах», це було лише вдруге за вісімнадцять змагань.

Особисте життя
Станом на лютий 2004 року Малькольм Бейкер був одружений та мав 2-ох дітей.

Кар'єра
До аспірантури Малькольм Бейкер був старшим науковим співробітником ,  і в аспірантурі він служив в якості навчального співробітника Гарвардського університету. Він працював на факультеті Гарвардської школи бізнесу з моменту здобуття ступеня доктора філософії у 2000 р. У 2001-2004 р.р. працював асистентом, після чого ще 3 роки був доцентом і з 2007 р. є професором.

Малькольм Бейкер займається дослідженнями поведінкових фінансів, корпоративних фінансів та ринків капіталу, з основним акцентом на взаємодії між корпоративними фінансами, поведінкою інвесторів та неефективністю на ринках капіталу. Як професор він написав численні тематичні дослідження та широко публікувався, зробив численні презентації своїх робіт для академічної та практичної аудиторії. Він працював помічником редактора журналу  та .  Протягом своєї кар'єри він був тричі номінований на  і двічі номінований на . У 2002 році «Структура ринку та структура капіталу» (у співавторстві з Джеффрі Вурглером) була визнана,  премією Бреттла, найкращим науковим дослідженням з корпоративних фінансів, опублікованим того року в «Journal of Finance». Того ж року він та співавтор  приписують низьку ненормальну дохідність після високої ліквідності «ефекту німого інвестора».  Бейкер також працює викладачем у програмі корпоративних фінансів у Національному бюро економічних досліджень. З 12 вересня 2006 року він працював незалежним директором ради директорів , Inc. та кожної з її дочірніх компаній у США.

За його роботу як співавтора (разом з Любомиром Літовим, Джессікою А. Вахтер та Джеффрі Вурглером) «Чи можуть менеджери пайових фондів обирати акції? Докази їх торгів до оголошень про прибутки» у жовтні 2010 року в журналі , він отримав  за найкращий документ у 2011 році для його статті.

Бейкер був керівником підрозділу з питань фінансів з 2014 по 2018 рік і директором програми з корпоративних фінансів у Національному бюро економічних досліджень з 2011 по 2018 рік. Він був керівником курсу з необхідної програми MBA в Гарвардській бізнес-школі, викладав у MBA за факультативною програмою та кількома освітніми програмами для керівників, він розробив курси за вибором з інвестиційних стратегій та поведінкових фінансів, а  також отримав нагороду за викладання у MBA.

За межами Гарварда він працює директором з досліджень в Acadian Asset Management, інституційній фірмі з управління активами, що займається активними глобальними та міжнародними стратегіями акціонерного капіталу, а також членом правління Triton International, найбільшої у світі компанії з лізингу інтермодальних контейнерів.

Наукові роботи

Статті

 Malcolm Baker, Mathias F. Hoeyer and Jeffrey Wurgler."Leverage and the Beta Anomaly " — Journal of Financial and Quantitative Analysis 55, no. 5. — серпень 2020 — P.1491–1514.
 Malcolm Baker, Ryan Taliaferro and Terry Burnham."Optimal Tilts: Combining Persistent Characteristic Portfolios.-"Financial Analysts Journal 73, no.4.- 4 квартал 2017. — P.75–89.
 Malcolm Baker."Risk Neglect in Equity Markets." — Journal of Portfolio Management 42, no.3.- весна 2016. — P.12–25.
 Acharya Viral, Heitor Almeida and Malcolm Baker."Introduction: New Perspectives on Corporate Capital Structure." -Journal of Financial Economics 118,no.3.- грудень 2015.- P.551–552.
 Malcolm Baker and Yuhai Xuan. «Under New Management: Equity Issues and the Attribution of Past Returns.»- Journal of Financial Economics 121, no.1.-липень 2016-P.66–78.
 Malcolm Baker, Brock Mendel and Jeffrey Wurgler."Dividends as Reference Points: A Behavioral Signaling Approach." — Review of Financial Studies 29,no.3.-березень 2016-P.697–738.
 Malcolm Baker and Jeffrey Wurgler."Do Strict Capital Requirements Raise the Cost of Capital? Bank Regulation, Capital Structure and the Low Risk Anomaly." -American Economic Review: Papers and Proceedings 105,no.5.-травень 2015-P.315–320.
 Malcolm Baker, Brendan Bradley, and Ryan Taliaferro."The Low-Risk Anomaly: A Decomposition into Micro and Macro Effects." — Financial Analysts Journal 70,no.2.-March–April 2014- P.43–58.
 Malcolm Baker and Jeffrey Wurgler."Raising Capital Requirements: At What Cost?" — Review of Financial Regulation Studies, no.11. — літо 2013- P.4–6.
 Malcolm Baker and Jeffrey Wurgler."Comovement and Predictability Relationships Between Bonds and the Cross-Section of Stocks." — Review of Asset Pricing Studies 2,no.1. — червень 2012 — P.57–87.
 Malcolm Baker, Xin Pan and Jeffrey Wurgler."The Effect of Reference Point Prices on Mergers and Acquisitions." — Journal of Financial Economics 106,no.1. — жовтень 2012 — P.49–71.
 Malcolm Baker, Jeffrey Wurgler and Yu Yuan. «Global, Local, and Contagious Investor Sentiment.» — Journal of Financial Economics 104,no.2. — травень 2012 — P.272–287.
 Malcolm Baker, Brendan Bradley and Jeffrey Wurgler."Benchmarks as Limits to Arbitrage: Understanding the Low-Volatility Anomaly." — Financial Analysts Journal 67,no.1 — січень-лютий 2011.
 Malcolm Baker, Lubomir Litov, Jessica Wachter, and Jeffrey Wurgler."Can Mutual Fund Managers Pick Stocks? Evidence from Their Trades Prior to Earnings Announcements." — Journal of Financial and Quantitative Analysis 45,no.5 — жовтень 2010 — P.1111 –1131.
 Malcolm Baker, Robin Greenwood, and Jeffrey Wurgler. «Catering Through Nominal Share Prices.» — Journal of Finance 64,no.6.- грудень 2009 — P.2559–2590.
 Malcolm Baker."Capital Market-Driven Corporate Finance." — Annual Review of Financial Economics 1 — 2009 — P.181–205.
 Malcolm Baker, C. Fritz Foley, and Jeffrey Wurgler."Multinationals as Arbitrageurs? The Effect of Stock Market Valuations on Foreign Direct Investment." — Review of Financial Studies 22,no.1 — січень 2009 — P.337–369.
 Malcolm Baker."Review of The Battle for the Soul of Capitalism, by John Bogle."- Journal of Economic Literature 46,no.3. — вересень 2008 — P.731–735.
 Malcolm Baker, Johnathan Wang, and Jeffrey Wurgler."How Does Investor Sentiment Affect the Cross-Section of Returns." — Journal of Investment Management 6,no.2 — другий квартал 2008 — P.57–72.
 Malcolm Baker, Joshua Coval and Jeremy Stein."Corporate Financing Decisions When Investors Take the Path of Least Resistance." — Journal of Financial Economics 84,no.2.- травень 2007 — P.266–298.
 Malcolm Baker and Jeffrey Wurgler."Investor Sentiment in the Stock Market." — Journal of Economic Perspectives 21,no.2 — весна 2007 — P.129–151.
 Malcolm Baker, Stefan Nagel, and Jeffrey Wurgler."The Effect of Dividends on Consumption." — Brookings Papers on Economic Activity, no.1.- 2007 — P.277–291.
 Malcolm Baker and Jeffrey Wurgler."Investor Sentiment and the Cross Section of Stock Returns." — Journal of Finance 61,no.4. — серпень 2006 — P.1645–1680.
 Malcolm Baker, Ryan Taliaferro and Jeffrey Wurgler."Predicting Returns with Managerial Decision Variables: Is There a Small-Sample Bias?" — Journal of Finance 61,no.4.- серпень 2006 — P.1711–1730.
 Malcolm Baker and Jeffrey Wurgler. «Appearing and Disappearing Dividends: The Link to Catering Incentives.» — Journal of Financial Economics 73,no.2. — серпень 2004 — P.271–288.
 Malcolm Baker and Jeffrey Wurgler."A Catering Theory of Dividends." — Journal of Finance 59,no.3. — червень 2004 — P.1125–1165.
 Malcolm Baker and Jeremy Stein."Market Liquidity as a Sentiment Indicator." — Journal of Financial Markets 7,no.3.- червень 2004 — P.271–299.
 Malcolm Baker, Robin Greenwood and Jeffrey Wurgler."The Maturity of Debt Issues and Predictable Variation in Bond Returns."- Journal of Financial Economics 70,no.2.- листопад 2003 — P.261–291.
 Malcolm Baker and Paul Gompers."The Determinants of Board Structure at the Initial Public Offering."- Journal of Law & Economics 46,no.2. — жовтень 2003- P.569–598.
 Malcolm Baker, Jeremy Stein and Jeffrey Wurgler."When Does the Market Matter?Stock Prices and the Investment of Equity-Dependent Firms."- Quarterly Journal of Economics 118,no. 3.- серпень 2003- P.969–1006.
 Malcolm Baker and Serkan Savasoglu."Limited Arbitrage in Mergers and Acquisitions" — Journal of Financial Economics 64, no.1.- квітень 2002 — P.91–116.
 Malcolm Baker and Jeffrey Wurgler. «Market Timing and Capital Structure.»- Journal of Finance 57,no.1.- лютий 2002- P.1–32.
 Malcolm Baker and Jeffrey Wurgler. «The Equity Share in New Issues and Aggregate Stock Returns.» — Journal of Finance 55,no.5.- жовтень 2000 — P.2219–57.
 Malcolm Baker, E. S. Mayfield and John Parsons."Alternative Models of Uncertain Commodity Prices for Use with Modern Asset Pricing Methods."- Energy Journal 19,no.1.- 1998 — P.115–148.
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Розділи книг
 Malcolm Baker."The Program in Corporate Finance."- NBER Reporter, no.1.- березень 2017.
 Malcolm Baker and Jeffrey Wurgler. "Behavioral Corporate Finance: A Current Survey."In Handbook of the Economics of Finance, Volume 2A: Corporate Finance, edited by George M. Constantinides, Milton Harris and Rene M. Stulz.- P.357–424.- Handbooks in Economics.-New York: Elsevier — 2013.
 Malcolm Baker, Richard Ruback and Jeffrey Wurgler. «Behavioral Corporate Finance: A Survey.»-In The Handbook of Corporate Finance, Volume 1: Empirical Corporate Finance, edited by Espen Eckbo.-New York: Elsevier/North-Holland — 2007.

Робочі документи
 Malcolm Baker, Daniel Bergstresser, George Serafeim and Jeffrey Wurgler."Financing the Response to Climate Change: The Pricing and Ownership of U.S. Green Bonds." — NBER Working Paper Series, no.-25194- серпень 2020.
 Malcolm Baker, Patrick Luo and Ryan Taliaferro."Detecting Anomalies: The Relevance and Power of Standard Asset Pricing Tests." — Working Paper.- липень 2018.
 Malcolm Baker and Jeffrey Wurgler."Do Strict Capital Requirements Raise the Cost of Capital? Banking Regulation and the Low Risk Anomaly."- NBER Working Paper Series, no.-19018, травень 2013.

Перші проекти
 Malcolm Baker. «Career Concerns and Staged Investment: Evidence from the Venture Capital Industry.»-2000.
 Malcolm Baker and Paul Gompers. «Executive Ownership and Control in Newly Public Firms: The Role of Venture Capitalists.»-Листопад 1999.
 Malcolm Baker and R. S. Ruback. «Estimating Industry Multiples.»-1999.

Див. також
 Фінанси

Примітки

Посилання

 All publications Malcolm Baker

Народились 1970
Народились 19 вересня
Економісти США
Уродженці Чехії
Випускники Браунівського університету
Випускники Гарвардської школи бізнесу
Літні Олімпійські ігри 1992

redpajama_set_name: RedPajamaWikipedia


1) Because I met you at a con, and you were way cool. We watched Firefly together, and liked all the same things about it. Also I thought your wife was cool.
2) Jane Eyre. Okay, it's a book, but they've made movies out of it.
3) You live in Brattleboro! Which I love! I used to go to Brattleboro when I was in college, and wander around being a hippie chick. Brattleboro is a happy place in my mind.
4) Seeing you at Worldcon 2004 and realizing how happy that made me.
5) You are a peach.


text:
Ford wants shovels in the ground on Highway 3 widening project
CTVNewsWindsor.ca Staff
Published Wednesday, July 8, 2020 8:19AM EDT
WINDSOR, ONT. -- Ontario Premier Doug Ford said he wants construction to start on the widening of Highway 3.
Ford told AM800's Patty Handysides during Tuesday's edition of the Afternoon News, the widening from Essex to Leamington is still a top priority, despite the COVID-19 pandemic.
"I know they're doing the EAs and they have to purchase some property off some farmers," Ford said. "I want to get the shovels in the ground. I remember during the election I said I'll hop on that bulldozer myself. A lot of people talked about it in the past, but we'll get it done."
Work is already taking place behind the scenes, he said.
The province has launched a website on the widening plans. The online Public Information Centre is meant to complete the study for improving the roadway from Essex to Leamington, while following restrictions of gatherings due to COVID-19.
Last August, Minister of Transportation Caroline Mulroney and Chatham-Kent-Leamington MPP Rick Nicholls announced the twinning of Highway 3 from Essex to County Road 34, the turn off to Ruthven, would start in 2021.
Ford tells AM800 the pandemic has shown that red tape can be cut quickly.
"Throughout this pandemic we have proven when something had to get done everyone pitches in and everyone is heading in the same direction it can get done," said Ford. "So we're going to prove that when you get cooperation from municipalities, you get cooperation from the labour side, it's going to be exciting."
Ford would like to see the environmental assessments move faster.
"In some cases it takes four to six years to do an EA. That's just unacceptable. We lost a company that wanted to invest $500-million. We lost them to Ohio and the reason they told us was, "I can't wait four to six years as we're investing hundreds of millions of dollars."
The stretch of highway has seen several fatal collisions over the years.
New website launched regarding plans to widen Highway 3 in Essex County
Highway 3 makes list of priorities on Ontario transportation plan
One year later, Westcourt Place tenants still displaced
Marking five-year anniversary of disappearance of Tori Stafford
A number of snakes, some poisonous, stolen from Niagara region home
New Catholic church opening in Essex County
Windsor man to be sentenced in January for human trafficking


text:
Australian Court Upholds Cancellation Of Djokovic's Visa, Tennis Star Faces Deportation
Breaking| Mar 5, 2021, 12:19pm EST |
After $35 Billion In Losses Some U.S. Airlines May Become Takeover Targets, Here's What That Could Look Like
Palash Ghosh
Some U.S airlines, which have suffered huge losses due to the Covid pandemic, may have to merge to survive, but labor unions and government regulatory officials may pose headwinds to such deals.
UNITED STATES - MARCH 2: Washington National Airport is seen from a departing flight on Tuesday, ... [+] March 2, 2021. (Photo By Bill Clark/CQ-Roll Call, Inc via Getty Images)
CQ-Roll Call, Inc via Getty Images
U.S. airlines are estimated to have lost at least $35 billion last year as the Covid pandemic sapped demand and shut down flights.
The biggest U.S. airlines suffered massive losses last year — American Airlines lost $9.5 billion; Delta Airlines shed $12 billion; and United Airlines lost more than $7 billion.
In 2020, the largest U.S. airlines also saw their share prices fall — American Airlines stock plunged 45%, Delta dropped 31%, United fell 50%; and Southwest Airlines slipped 13.3%, while the S&P 500 rose by 16.3%.
The environment could be ripe for merger and acquisitions in the sector but Helane Becker, senior research analyst at Cowen, says she thinks the Biden administration may not approve many deals due to anti-competition issues, noting the last big airline merger — Alaska Air and Virgin America in 2016 — had "a tough time getting through" the Justice Department partly due to concerns about fares going up and mergers being anti-competitive.
Still, Becker thinks the industry might see some larger airlines buying up smaller carriers this year, and also some smaller airlines merging.
Ben Baldanza, former CEO of Spirit Airlines, says the likeliest takeover candidates would be carriers with "hard to replicate route networks, good access to restricted airports" or those with "fleets that wouldn't cause undue financial risk, and those where labor issues could be more easily addressed."
Baldanza, who is also a Forbes contributor, says he does not expect to see a "wave" of mergers this year, but "wouldn't be surprised" to see a few. "Not likely that American, United, Delta, Southwest, or Air Canada could successfully be involved as a buyer or seller," he adds. "But among the remaining U.S. airlines and the independent regional airlines, I could see some potential mergers happening." Baldanza could also imagine a "merger of equals" like Spirit and Frontier Airlines. "JetBlue [could merge] with Alaska Air," Becker says. "We are not saying this will occur, we are just saying it won't be [the larger carriers like] American Airlines buying Alaska [Air] or JetBlue." Labor unions might also put a damper on airline mergers. Becker cites the Atlas Air acquisition of privately held air cargo service provider Southern Air in 2016, where "pilots were unwilling to provide the company with a merged seniority list until ordered to do so by a court." Usually, Becker explains, when airlines merge, some pilots may lose seniority, which means they might fly less desirable routes and at lower pay. As such, pilot unions may oppose mergers and slow down their progress. Baldanza also cautions that due to labor unions and regulatory matters, airline mergers are "notoriously messy and difficult." "Most business mergers are justified on cost synergies, while airline mergers are almost always based on revenue synergies and typically have cost dis-synergies," he says. Baldanza also says the "Big Four" U.S. airlines – Delta, American, United and Southwest – which control about 80% of the US domestic passenger traffic – should survive the current crisis. "All have good liquidity and have shown enough flexibility," he explains. "It would be a big surprise for any of these four to fail." Noting that airline stocks have surged in price so far this year – largely due to hopes for rapid vaccinations and return of some demand – Baldanza thinks that higher share prices might "create an impediment" to some mergers, but also points out that this makes the buyer's stock a "potentially more valuable currency." Baldanza is not sure if a Biden presidency will make it harder for airlines to merge. "The industry was deregulated under Democrats, and airline mergers have happened in both Democratic and Republican administrations," he says. "The guiding principles typically come down to what happens to the carriers and the employees if [a merger occurs] and what consumer impacts on competition and fares would result."
Chief Critic
Ross Gerber, president and CEO of Gerber Kawasaki Wealth & Investment Management of Santa Monica, Calif., which has $1.7 billion in assets under management, warns that airlines have many issues to face moving forward. "Increased costs and limited foreign and business travel will crimp any attempt at profits for some time," he says. "I don't think we will see consolidation as it would only cause more losses for the companies involved. Airlines need to focus on being lean and providing great service — not buying each other."
Five Bold Predictions For The U.S. Airline Industry In 2021 (Forbes)
Airlines Lost Over 400,00 Workers—United Airlines Announced Another 14,000 Jobs May Be Lost (Forbes)


text:
Q: How to make my character look in the direction of the camera in Unity 3d? My character has a chinemachine camera attached to it and it is moving perfectly fine. But when I move my mouse to change the camera direction it is not looking in that direction. And I can't figure out how to make it look in that direction.
I have a reference to the original camera at the top of the script by the name cam.
The script has different functions for movement, rotation, animation, etc.
using System.Collections;
using System.Collections.Generic;
using UnityEngine;

//so that unity recognises the callbacks ctx passed to the movementinput
using UnityEngine.InputSystem;

public class AnimationAndMovController : MonoBehaviour
{
public Transform cam;

public float speed;
//here we are creadting three vars for the animation
//vector2 currentMovementInput stores the input axis of the player
//vector3 store the current position of the player

PlayerInput playerInput;
CharacterController characterController;
Animator animator;

Vector2 currentMovementInput;
Vector3 currentMovement;
Vector3 currentRunMovement;
Vector3 moveDir;

bool isMovementPressed;
bool isRunPressed;

float rotationFactor = 15.0f;
// float turnSmoothtime = 0.1f;
// float turnSmoothVelocity ;
float runMultiplier = 4.0f;

int walkHash ;
int runHash ;

//runs before start function
void Awake(){
    playerInput = new PlayerInput();
    characterController = GetComponent<CharacterController>();
    animator = GetComponent<Animator>();
    // walkHash = Animator.StringToHash("Walking");
    // runHash = Animator.StringToHash("run");

    //now instead of writing the logic three times we pass the callback ctx to the movementInput() function
    playerInput.CharacterControls.Move.started += movementInput;
    playerInput.CharacterControls.Move.canceled += movementInput;
    playerInput.CharacterControls.Move.performed += movementInput;
    playerInput.CharacterControls.Run.started += handleRun;
    playerInput.CharacterControls.Run.canceled += handleRun;
}

void handleRun(InputAction.CallbackContext ctx){
    isRunPressed = ctx.ReadValueAsButton();
}

//we are going to handle rotations with quaternions
void handleRotation(){
    Vector3 positionToLookAt;

    positionToLookAt.x = currentMovement.x;
    positionToLookAt.y = 0.0f ;
    positionToLookAt.z = currentMovement.z;

    Vector3 direction = new Vector3(positionToLookAt.x, 0.0f, positionToLookAt.z).normalized;

    Quaternion currentRotation = transform.rotation;

    //we take the current rotation and the target rotation and slerp them *FYI : Im still not sure how slerp works
    if(isMovementPressed){
        Quaternion targetRotation = Quaternion.LookRotation(positionToLookAt);
        transform.rotation = Quaternion.Slerp(currentRotation, targetRotation, rotationFactor * Time.deltaTime);

    }

}

//we are passing the callback ctx to this function so that we dont have to call the function everytime we start, cancel or perform the movement
void movementInput(InputAction.CallbackContext ctx){
    //we are setting the movement input to the axis of the player
    currentMovementInput = ctx.ReadValue<Vector2>();
    currentMovement.x = currentMovementInput.x;
    //we are setting the z axis to the y axis of the player because we move y axis on keyboard or joystick but in game we move in z axis
    currentMovement.z = currentMovementInput.y;

    //now we are setting the run movement to the current movement
    currentRunMovement.x = currentMovementInput.x *  runMultiplier;
    currentRunMovement.z = currentMovementInput.y * runMultiplier;

    isMovementPressed = currentMovementInput.x != 0 || currentMovementInput.y != 0;

}

void handleAnimation(){
    bool walk = animator.GetBool("walking");
    bool run = animator.GetBool("run");

    if(isMovementPressed && !walk){
        animator.SetBool("walking", true);
    }
    else if(!isMovementPressed && walk){
        animator.SetBool("walking", false);
    }

    if((isMovementPressed && isRunPressed) && !run){
        animator.SetBool("run", true);
    }
    else if((!isMovementPressed || !isRunPressed)&& run){
        animator.SetBool("run", false);
    }
}

void handleGravity(){
    //we are setting the gravity to -9.8f because we are moving in y axis
    if(characterController.isGrounded){
        float groundGravity = -0.05f;
        currentMovement.y = groundGravity;
        currentRunMovement.y = groundGravity;

    }
    else{
        float gravity = -9.8f;
        currentMovement.y += gravity * Time.deltaTime;
        currentRunMovement.y += gravity * Time.deltaTime;
    }
}

// Update is called once per frame
void Update()
{
    handleAnimation();
    handleRotation();
    handleGravity();

    if(isRunPressed){
        characterController.Move(currentRunMovement * Time.deltaTime);
    }
    else{

     characterController.Move(currentMovement * Time.deltaTime);
    }

}

//we are checking if the player script gets enabled or disabled and accordingly we are enabling or disabling the player input
void OnEnable(){
    playerInput.CharacterControls.Enable();
}

void OnDisable(){
    playerInput.CharacterControls.Disable();
}

}

A: That quite a lot of code to dive into.
I'd try:
Quaternion cameraRot = Camera.Main.transform.rotation;
transform.rotation = cameraRot;

Or if you have a target Quaternion.LookRotation:
Vector3 relativePos = target.position - transform.position;

// the second argument, upwards, defaults to Vector3.up
Quaternion rotation = Quaternion.LookRotation(relativePos, Vector3.up);
transform.rotation = rotation;

Hope that helps

A: Use Transform.LookAt, which points a Game Object's rotation towards a target's position.
In your case, this would be
transform.LookAt(cam);

A: here is the code that I use..
using System.Collections;
using System.Collections.Generic;
using UnityEngine;

public class MoveCamera : MonoBehaviour
{
    public float sensitivity = 1000f;
    public float xRotation = 0f;

    public Transform playerBody;
    public Quaternion localRotate;

    // Start is called before the first frame update
    void Start()
    {
        Cursor.lockState = CursorLockMode.Locked;
    }

    // Update is called once per frame
    void Update()
    {
        float MX = Input.GetAxis("Mouse X")*sensitivity*Time.deltaTime;
        float MY = Input.GetAxis("Mouse Y")*sensitivity*Time.deltaTime;

        xRotation -= MY;
        xRotation = Mathf.Clamp(xRotation,-90f,90f);

        transform.localRotation = Quaternion.Euler(xRotation,0f,0f);
        localRotate = transform.localRotation;
        playerBody.Rotate(Vector3.up * MX);
    }
}

the player body you see is the player object to you character...
note that the camera is use  is not In. cinema chine and is inside of the player...


Disability Income Can Qualify You For A Mortgage Loan - personal or auto loan? Which is the best option?
The Department of Housing and Urban Development (HUD) offers housing assistance to low-income individuals, including those with disabilities, through the Section 8 housing choice voucher program. In some situations, if you qualify for a voucher and the public housing agency in your area approves it, you can use the voucher to help make your monthly mortgage payments instead of paying rent.
Habitat for Humanity is another resource available to help individuals and families secure more affordable loans through no-interest mortgages and low down payment requirements – generally $500 – when purchasing a home. The organization relies on volunteers who help fix up old homes or build new homes for individuals with low incomes. Donated building supplies and materials, as well as the volunteer labor, help keep the cost of the homes lower.
To qualify, prospective homeowners must show need, the ability to make the monthly mortgage payments, and the willingness to contribute 300 to 500 hours of sweat equity. However, if your disability prevents you from contributing your own sweat equity toward the purchase of the home, the Habitat for Humanity program in your community may be willing to be flexible in its usual eligibility requirements.
The Fannie Mae Community HomeChoice Program helps disabled individuals with low to moderate incomes who may not have ideal credit obtain a home mortgage. You also may qualify for this loan option if a family member who is disabled lives with you.
Fannie Mae may approve you for additional loan funds that you can use to make modifications to the home that accommodate a disability.
Disabled veterans of the U.S. military may qualify for benefits through the VA Home Loan Guaranty Program. If you have a service-related disability and were discharged before your time in service expired, you may qualify for a mortgage loan guaranteed by the U.S. Department of Veterans Affairs (VA).
To lower the costs associated with buying a home, the VA funding fee is waived for disabled veterans. You can also apply for grants to make home modifications to accommodate your disability; however, the value of a housing accessibility grant cannot exceed more than 50 percent of the total cost of the home, including modifications.
Many states have their own programs to help disabled individuals own a home. Assistance may be in the form of loan programs that offer lower interest rates, special low down payments, or lending programs that qualify disabled individuals with lower incomes and higher debt-to-income and loan-to-value ratios.


text:
WT Store
WRENTHAMTIMES
© Open Field Group LLC publisher of The Wrentham Times, The Norfolk Times and The Plainville Times.
Letter to the Editor: Thank You for Project Mitten Support
To The Editor,
On behalf of the Project Mitten families in Wrentham, I would like to take this opportunity to thank the following people and organizations for their tremendous kindness and generosity: The Wrentham Elementary School Staff, The Wrentham PTO, The Wrentham Police Department, The Wrentham Lions Club, The Wrentham Holly Club, The Wrentham Cooperative Bank, The Pond Home and The Community at Pond Meadow, The McComb's family and their neighbors, The Wampum Corner Wine and Liquor Store, The Wrentham Developmental Center EDCO, Michelle Borriello, The Geary Family, and a very special thanks to Mrs. Kerry Richardson and Mrs. Julie Cashman. It is because of these wonderful people and organizations that Project Mitten helped 26 families with 48 children and was a huge success!
There is nothing greater in life than giving to others. You all made a difference in the lives of these families through your generosity and thoughtfulness! I extend to all of you a heartfelt THANK YOU!
I feel so proud to be part of such an amazing community!
May your New Year bring you peace, health, and happiness!
Mrs. Toni Rando
Project Mitten Coordinator
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KP Middle School Announces Honor Roll
The King Philip Middle School announced the honor roll for the first quarter, 2014. The full honor roll is available here.
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Wrentham Has a New D.A.R.E Instructor
On day the Wrentham Police Department made headlines with its work with the F.B.I., a new D.A.R.E. instructor was announced. Officer Peter Lown graduated from the Drug Abuse Resistance Education (D.A.R.E.) training held December 1-12 at the New Hampshire Fire Academy in Concord, NH. Officer Lown completed the two week, 80 hour certification course to become one of Wrentham's newest D.A.R.E. instructors. With his graduation Officer Lown, he will join Sergeant Jeffrey Smith and Officer Todd Schwalbe providing the program to the local school district.
D.A.R.E. is a community based, nation wide program which partners police, schools and parents to educate students about the abuse of drugs, violence and the importance of good decision making.
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Wrentham Police Assist FBI
On Wedneday, December 17, the Wrentham Police Department assisted the F.B.I. with an arrest warrant for Barry James Cadden, age 48, a resident of Wrentham. The arrest was based on the federal investigation surrounding the New England Compounding Center. Cadden was taken into custody without incident at his home. He was transported to the Wrentham Police Department and booked after which he was taken into F.B.I. custody and transported to the United States Courthouse in Boston.
Nomination Papers Available for Town Elections
Nomination papers for Wrentham's Annual Town Election of April 6, 2015 are now available. See below for the list of positions available, length of term, and incumbent. There are two selectman seats up for grabs as well as the Town Clerk's position. Wrentham's longtime Town Clerk, Carol Mollica is retiring at the end of January.
Open Positions Number of Openings Term Incumbent
Moderator 1 1 year Keith S. Billian
Town Clerk 1 1 year 1-year unexpired (Carol Mollica resigned as of 1/31/15)
Selectman 2 3 years Charles R. Kennedy
Selectman 3 years Stephen J. Langley
Assessor 1 3 years Irene L. Levesque
Board of Health 1 3 years Brian J. Kelly
Planning of Board 3 3 years Alexander H. Lyon
3 years Everett W. Skinner Jr.
3 years George R. Smith Jr.
Fiske Library Trustee 3 3 years Kathleen F. MacKenzie
1 year Juilie L. Mollica
3 years Maureen Osolnik
Wrentham School Committee 2 3 years Tracey B. Murphy
3 years Kristi M. Mollica
KP School Committee 1 3 years James M. Killion Jr.
Housing Authority 1 5 years Marjorie V. Hooper
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Tribute to Sinatra and Bublé at the Tavern
Although it's not really Frank Sinatra, singer Neil DeAngelis sounds just like "Ol' Blue Eyes." He's a Frank Sinatra tribute artist who will perform live at The Tavern at Wrentham on Saturday, December 20th, bringing Christmas Hits and other favorites made popular by Sinatra to the stage.
"If you close your eyes, you'll swear it's Sinatra singing," says Tavern Owner Doug Smith. DeAngelis explored his musical talents after divorcing six years ago, and has become a popular Sinatra Tribute performer, successfully moonlighting at local venues. DeAngelis wowed Smith and Tavern patrons in November as a finalist in the Tavern's Karaoke Sing-off.
Joining DeAngelis on December 20th will be Michael Dearing, performing in the style of Michael Bublé. Dearing is another well-loved Karaoke Sing-off finalist.
The two performers will host an entertaining and festive night of music like no other. It will take place in the Tavern at Wrentham's large function room, complete with private bar and ample seating, beginning at 8PM. There is no cover charge.
Christmas Dining Specials for the event includes Filet Minion, Glazed Ham, Scallop Casserole and Lasagna.
The Tavern at Wrentham is located at 263 Shears Street in Wrentham. It features a full bar and family-friendly dining, including soups, salads, pizza, seafood, pasta, burgers, and a Kids Menu.
For more about food and events at the Tavern at Wrentham, call 508-384-0100.
Scout Helps Homeless
The homeless problem in Massachusetts is big. The U.S. Department of Housing and Urban Development estimates there are an approximate 21,237 homeless within the Commonwealth. These are men and women that repeatedly end up on the streets or suffer from periods of long-term homelessness. Wrentham Boy Scout Jimmy Richard wanted to do something to help.
(Pictured left to right: Rob Adam, Jacob Brawley, and Jimmy Richard.)
For his Eagle Scout Project, Richard with help from his family, friends, donors and his Church, The Immanuel Lutheran Church in Attleboro, raised funds and collected blankets for homeless shelters in Attleboro, Mansfield, and Taunton. "I approached the pastor at my Church, Pastor Sandra Demmler-D'Amico, and told her that I wanted my Eagle Scout Project to benefit the homeless in some way," Richard said. "She told me that blankets were vital for homeless people. I began researching ways I could obtain or make blankets."
The project on the surface might sound simple. Go out, collect blankets, and deliver them to the appropriate organizations, but it was far more complicated. The scout, a junior at King Philip Regional High School, needed to raise funds, rally his Boy Scout Troop, family, and church as well as sell the idea to Northwest Woolen Mills, a company in Woonsocket, RI which manufactures wool blankets.
Richard worked tirelessly on fundraisers and says Northwest Woolen Mills was key to the successful completion of the project. "They offered to make the blankets for a very reasonable price due to the purpose of my project," he says. "Due to their generosity, I was able to obtain 120 high-quality-wool blankets for the shelters."
Once the blankets were collected, Richard worked with his church to hold two blessing services and then delivered them to the shelters. He even recruited a few scouts to help with the deliveries and then work at the shelter. "When we delivered blankets to the shelter in Taunton, [Boy Scouts] Rob Adam, Jacob Brawley and I volunteered to serve lunch to the homeless that day." Richard says. "It was an experience I will always remember."
The Wrentham teenager's eyes have been forever opened to the plight of the homeless he says. He always knew it was a problem but didn't realize how pervasive it was so close to home. "The most shocking thing I learned while doing this project was the number of homeless in the area," Richard says. "We really don't see them and we really don't hear about the problem."
After Richard completed the project, a man approached him at his church to say how important his work was, and how meaningful it would be to people living on the street. "A gentleman at church who had been homeless also told me after the project was completed just how important a simple blanket was. It was actually a homeless person's 'home.' This really struck me."
In addition to the service project, for a Boy Scout to reach the rank of Eagle, he has several other requirements to accomplish including earning 21 merit badges which signify the mastery of scout related skills. A scout must also take on increasingly more responsible service positions and show good leadership skills, including organizing, leading and managing an extensive service project that benefits the community. On a national basis, approximately 6 % of boys entering scouting reach Eagle status.
The road to Eagle Scout started for Richard in second grade and he was able to complete all his requirements by the age of 16. Along the way he attended summer camp, went on campouts with his Troop, and honed his leadership skills.
Christmas Tree Tradition Continues (With a Twist)
Wrentham's Boy Scout Troop 131 will be collecting Christmas trees on Saturday January 10, and once again requesting a $10 donation. To have your tree picked up put a $10 donation in an envelope, seal the envelope and place it around the bottom of the tree with a rubber band. Make checks payable to "Troop 131" and place the tree on the curb near the street before 8 a.m. For safety reasons, they cannot accept trees with tinsel, flocked trees, trees with nails, artificial trees, wreaths with metal shape wires, or trees with any other metal attached. The $10 donation helps to offset the cost of operating the troop whose programs have assisted our youths in topping 4000-foot peaks, hit the road for 30 mile bike rides on "The Vineyard" and 50 mile hikes through the wilderness. The Boy Scouts provide countless hours of service to the community, and the Troop's Eagle program has provided landscaping for town property inlcuing Fiske Public library, the creation of the 9/11 memorial, built and marked a number of the town's hiking trails-and much more.
Along with the trees the scouts will pick up bikes for Bikes not Bombs on the January 10. Bikes not Bombs, a Boston-based non-profit which collects retired bikes and, primarily, supplies them to overseas missions which are developing micro-economies based on bikes (Ghana), relief workers for medical personnel (Uganda), an operation in Guatemala which then re-engineers the bikes to drive pumps and various machinery which assist their agrarian communities, as well as other operations in Sierra Leone, Nevis. St. Kitts, and San Salvador, as well as Boston-based classes in bicycle programs geared towards youth and women. Discover more about them at www.bikesnotbombs.org.
This is a great opportunity to clean up after Christmas by having the scouts pickup your tree and to pass along a retired bike.
Hockey Fundraiser at UNO
The KP Boys High School Hockey team is also holding a dough raiser fundraiser at Uno on December 17. Download this coupon and bring it to Uno at Wrentham Premium Outlets on the 17th and 20 % of the bill will be donated to King Philip Boys Varsity and JV Hockey.
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