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Di Maria Mbappe will certainly win the Ballon dOr

first_imgThe “phenomenon” Kylian Mbappe will only get better and will certainly win the Ballon d’Or during his career, says Paris Saint-Germain team-mate Angel Di MariaAt just 20 years of age, Mbappe has already achieved things in his short career that most footballers can only dream about after tasting a great deal of domestic success and winning the World Cup with France last summer.The forward’s exploits saw him win the inaugural Trophee Kopa for the world’s best U-21 player along with finishing fourth in the 2018 Ballon d’Or poll.And Mbappe looks set to possibly go on to achieve even higher standards this season with the Frenchman leading the Ligue 1 scoring charts with 14 goals in 13 games for PSG.Opinion: Neymar needs to apologize to PSG’s supporters Tomás Pavel Ibarra Meda – September 14, 2019 After such a dramatic summer during the transfer window, Neymar truly needs to apologize to all the PSG supporters this weekend.When Neymar finished last…“Kylian is a phenomenon,” Di Maria told France Bleu.“Since his exit from Monaco he has grown a lot as a player and produced an extraordinary World Cup.“If he continues like this, surrounded by team-mates with great potential, he will evolve further and will certainly win the Ballon d’Or.”Mbappe, who found the net in PSG’s 3-0 win over Amiens last weekend, will be looking to continue his strong form for Saturday’s Ligue 1 match against Guingamp.last_img read more

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Big Ideas Equal Big Success for The Atlantic

first_imgLauf said preliminary newsstand figures for the issue aren’t in yet—it hit stands in mid-June. Last year’s Big Ideas issue was the magazine’s best-selling issue in nearly a decade, he said. In regard to the Aspen Ideas Festival, attendance this year was about 2,500 people and revenue was flat compared to last year’s event, which is “a huge success for us,” Lauf said.Online, the Atlantic’s Ideas Special Report helped boost ad sales in June by 8 percent and about 50 percent so far in July, compared to the same months last year. Since the Ideas report was posted, overall site traffic has jumped to 21.4 million page views and 3.2 million unique visitors. Coming off a difficult first half that saw ad pages slide 24.6 percent compared to the same period last year, The Atlantic said its July-August “Ideas” issue, on newsstands now, pulled in the most ad revenue of any issue in the magazine’s history.While publisher Jay Lauf declined to say exactly how much in revenue the issue generated, he said revenue was up 36 percent over the same issue last year. This year’s issue carried 63.4 ad pages, he said.“Our Ideas franchise, anchored in an annual issue about ideas, the Aspen Ideas Festival and rich online extensions on the topic, clearly resonate with advertisers who have something meaningful to say,” Lauf told FOLIO:. “I think our success is an indication that there’s a cultural shift toward substance that can benefit magazines that write substantively about the subjects shaping our lives and futures. Perhaps more importantly, it’s an indication that strong ideas can still find a market.”last_img read more

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Meredith Partners with Beekman 1802 to Launch New Magazine

first_img In an arrangement that echoes the Martha Stewart Living deal, Meredith will handle the production and distribution while Beekman will be in charge of content creation. The companies will work together on ad sales, splitting revenues.  Meredith is rolling out another collaborative magazine effort. The publisher is partnering with Beekman 1802, a bucolic lifestyle operation that includes e-commerce, physical retail, “The Fabulous Beekman Boys” TV show and now a new magazine called the Beekman 1802 Almanac. The spokesperson says the first issue will be 96 pages, with 6 pages of advertising. Beekman 1802 was started in 2008 when former advertising exec Josh Kilmer-Purcell and his partner Brent Ridge, who used to be VP of Martha Stewart’s Healthy Living, bought the historic Beekman farm in upstate New York. The pair worked with local farmers and artisans to launch a mercantile. A reality TV program debuted shortly after. center_img The seasonal magazine will be newsstand-only, says a spokesperson, with 200,000 copies of the Fall/Winter issue hitting retailers on October 6. The cover price will be $9.99 and it will stay on shelves until January.  The Beekman 1802 Almanac, will combine all of those elements into a curated collection of farm-to-page content—gift ideas, country cooking recipes, entertaining and gardening tips and so on—inspired by 19th century-style almanacs. last_img read more

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POLICE LOG for April 10 Hit Run Larceny By Check Summons Issued

first_imgWILMINGTON, MA — Here are highlights from the Wilmington Police Log for Tuesday, April 10, 2018:A Carolyn Road caller reported her recycling barrel has been missing since last Thursday. Police notified DPW. (10:03am)A walk-in party turned in ammunition. (10:52am)A walk-in party reported larceny by check. Two checks written previously had dates changed and they were then cashed. (12:01pm)A witness called in a hit & run between a Jeep Wrangler and Audi Sedan at Salem Street and Route 62. Sedan fled. Police were unable to locate. Parents of Wrangler operator came to scene and took control of vehicle. Operator declined medical attention. (5:26pm)David Duran (21, Lawrence) was issued a summons for Operating Motor Vehicle With A Suspended or Revoked License and Speeding In Violation Of Special Posted Regulation. Duran was pulled over on Shawsheen Avenue. (5:39pm)A caller reported her neighbor left a threatening note on a vehicle belong to a guest at her house. Police spoke to the writer of the note, who was apologetic and was advised how to handle matters in the future. (5:47pm)A caller reported seeing a man dressed in all black on the Billerica Bridge on Whipple Road. Caller thought it was odd. Wilmington Police notified Billerica Police. (11:07pm) (DISCLAIMER: This information is public information.  An arrest does not constitute a conviction.  Any arrested person is innocent until proven guilty.)Like Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip?Share this:TwitterFacebookLike this:Like Loading… RelatedPOLICE LOG for August 3: Man Issued Summons For Resisting Arrest; Turkeys Struck In Roadway; Hit & RunIn “Police Log”POLICE LOG for August 21: Driver Issued Summons; Solicitors Going Door To Door Without Required PermitIn “Police Log”POLICE LOG for August 5: Driver Throws Beer Bottles; Syringe Found; Woburn Man Issued Summons; Texting While DrivingIn “Police Log”last_img read more

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LETTER TO THE EDITOR Tewksbury Selectmen Chair Jay Kelly Endorses Mark Kratman

first_imgDear Editor,There are many worthy candidates running for State Representative for the 19th Middlesex District.  Each candidate brings something to the table – different backgrounds, levels of experience, and areas of expertise.  I always say, Democracy = multiple viewpoints.  That said, I do believe that one candidate, Mr. Mark Kratman, has both the State and local experience coupled with far-ranging community outreach that will benefit two great communities, Wilmington and Tewksbury, as the State Representative for the 19th Middlesex District.Why the support and confidence in Mark Kratman?  I have worked side by side with Mark Kratman for the past 15 months as an elected official in Tewksbury.  I can honestly say that Mark has never pulled any punches. Mark is approachable and works in a very cooperative fashion.  Mark does not play games – ask him a question…he will give you an answer.  Like any two people, we may not always agree, but Mark will provide his thought process as to why and how he has come to a conclusion or decision.“Experience” is paramount.  Mark has 30 plus years working with towns and city across Massachusetts through his position at Massachusetts Department of Transportation (MassDOT). Mark has been a Tewksbury Selectmen for the past three years and running.  It is this [working] experience at the State-level and local-level, which will enable Mark to hit the ground running on Beacon Hill.As a State Representative, community outreach is an important aspect of the job. From a community perspective, one can say that Mark is incredibly involved.  Mark is out & about in the community seven days a week – rarely missing an opportunity to connect regardless of the venue.Lastly, with the current disheveled landscape of the “D’s” vs. the “R’s”, I have seen Mark tackle issues with the thought process of…the “people first”, the “party second”.  The “people first”, the “party second” was the standard that our beloved Representative, Jim Miceli, shared with me on a number of occasions.For all the reasons mentioned above is why I am endorsing Mr. Mark Kratman for State Representative for the 19th Middlesex District.Jay KellyTewksburyLike Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple’s daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email wilmingtonapple@gmail.com.Share this:TwitterFacebookLike this:Like Loading… RelatedSTATE REP RACE: Mark Kratman Receives Endorsement Of Tewksbury State Senator Barbara L’ItalienIn “Government”STATE REP RACE: Committee To Elect David Robertson Issues Statement On Mark Kratman’s Voting HistoryIn “Government”STATE REP RACE: Judy O’Connell Addresses Allegations Of Federal Tax Liens On Her HomeIn “Government”last_img read more

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Education dept to crack down on saffronisation of schools

first_imgKolkata: The state Education department is all set to take strong measures to tackle alleged saffronisation of education in the state. State Education minister Partha Chatterjee will hold a meeting with Gerry Arathoon, the Chief Executive and Secretary of the ICSE council, soon after the pujas.It has been learnt that the Education minister will seek his opinion on the secular education system in the country and will follow it up with leading institutions like Ramakrishna Mission and seek their viewpoint in this regard. Also Read – Rain batters Kolkata, cripples normal lifeIt may be mentioned that the number of RSS minded schools in the state is more than 1,000 and some of these schools are affiliated to the ICSE council.”The state is of the opinion that the lessons that are imparted in these schools go against the culture and tradition of education in the state. If everything goes as per plan, the meeting with Arathoon will be held on November 2,” a senior official of the Education department said.The minister has repeatedly expressed his concern over the mushrooming of such RSS backed schools in the state and had directed his department officials to prepare a list of such schools. Also Read – Speeding Jaguar crashes into Mercedes car in Kolkata, 2 pedestrians killedThe state has identified around 493 such schools, among which 125 are running without no objection certifi-cate of the state. The state wants to ensure closure of these schools.It may be mentioned that a handful of these schools have been found imparting lessons on how to fight with sticks. They also have certain religious texts that encourage religious intolerance. “We have to see whether these schools are running with proper permission of our department and also examine what is being taught,” the official added.last_img read more

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Girl sexually abused by social media friend

first_imgKolkata: A young girl was allegedly raped after being by promised of a chance in modeling. On Wednesday, the victim girl lodged a complaint with Barasat Woman Police Station against one of his Facebook friends, who is a resident of Jadavpur area.Sources informed that on October 7, the girl went to Barasat with his social media friend.According to the statement provided to police, the girl was promised she would meet some persons who would give her an opportunity in modelling. Also Read – Rain batters Kolkata, cripples normal lifeOn arrival in Barasat, both of them went to Vidyasagar Kriangan to watch a football match. After the match was over and spectators left the stadium, the girl was taken to an isolated place at the ‘B’ gallery and sexually molested. The accused youth fled the stadium.The victim girl somehow managed to reach home in South Kolkata.After two days, she narrated the incident to her family members. After hearing the incident, her family members decided to lodge a police complaint. On Wednesday, she along with her family members went to Barasat Woman Police Station and filed an FIR.Soon after the complaint was lodged, police took the girl to Barasat Distict hospital for medical examination. Police sources informed that necessary probe is on. But till Wednesday night, the accused was not arrested.last_img read more

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Visa Europe Paves the Way to Bring Apple Pay Across the Pond

first_img 2 min read February 24, 2015 Apple Pay aficionados may soon be able to tap, tap on their smartphones and pay in Europe.Visa Europe announced today that it is unveiling a new payment technology that allows credit card payments to be processed by a retailer without disclosing specific credit card data. The “tokenisation” service uses a series of numbers, not credit card numbers, to verify a payment, according to a statement released by the London-based payment processing company today.The introduction of this mobile payment technology to Europe paves the way for Apple to bring its popular, touch Apple Pay system across the Atlantic. Thus far, ApplePay has only been available in the U.S.Apple did not immediately respond to an email seeking comment on its plans to expand Apple Pay.Related: Samsung Buys Mobile Payments Startup to Take on Apple PayVisa Europe said the launch of tokisation technology was indeed a catalyst for mobile payment technology becoming more mainstream in Europe. “This is an exciting time to be in the payment industry. We believe that 2015 will be the year that mobile payments will be in the hands of consumers across Europe,” said Sandra Alzetta, an executive director of products for Visa Europe, in the statement.Visa Europe is partnered with the U.S. credit card megaloth Visa, but it operates independently.Related: How Apple Pay Is Poised to Transform the Trillion-Dollar Service IndustryThe benefit of a mobile payment system like Apple Pay or one of its rivals, beyond the convenience of not having to fumble for a your wallet and credit card in your handbag or pocket, is safety. With the tokenisation technology, a consumer’s credit card information is never shared with the merchant during a payment.With Apple Pay specifically, a Device Account Number is generated for each customer and encrypted and stored on a chip in your mobile device. The credit card numbers, therefore, are not ever even stored on the Apple servers.Related: Apple Opens its App Store to 4.5 Billion Chinese Credit Cards Free Webinar | Sept. 9: The Entrepreneur’s Playbook for Going Globalcenter_img Register Now » Growing a business sometimes requires thinking outside the box.last_img read more

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Ensembles Circle of Excellence gala honours top producers

first_img Share Tags: Ensemble Travel Group Travelweek Group Posted by << Previous PostNext Post >>center_img Ensemble’s Circle of Excellence gala honours top producers Thursday, October 19, 2017 DALLAS — Ensemble Travel Group recognized its top-producing members in Canada at the organization’s annual Circle of Excellence Gala, during the 2017 Ensemble Travel Group International Conference at the Hyatt Regency Dallas at Reunion.Ensemble Co-President Lindsay Pearlman said 2016 was the best year in our company’s history from a North American profit-sharing perspective, “and this elite circle of members was a driving force behind that success.”Pearlman added: “A huge congratulations to them for this outstanding achievement and for supporting our preferred partners in such a significant way.”The organization’s top producers in Canada based on 2016 sales of Ensemble preferred partners (in alphabetical order) are:Cruise Connections Canada Ltd., VancouverCruisePlus Management. Ltd, Lantzville, B.C.Escapes.ca/Skyland Travel Inc., VancouverIxtapa Travel, SaskatoonJubilee Tours & Travel Ltd., Burnaby, B.C.TierOne Travel Inc., CalgaryTravel Masters, VancouverTravelOnly, Brantford, ONTully Luxury Travel, Mississauga, ONUcruising of Unionville, Markham, ONThe Agency Excellence Award, based on member engagement of the organization’s events, technology, marketing, and specialty partners was awarded to Orion Travelinx of Burlington, ON.More news:  Save the dates! Goway’s Africa Roadshow is backMeanwhile the Highest Growth Award went to the following members in Canada for achieving the highest year-over-year growth (regionally) based on 2016 preferred partner sales compared to 2015: MPH Travel, Inc., Toronto; Top of the World Travel, Yellowknife; The Great Canadian Travel Company, Ltd., Winnipeg; and Voyages Encore Travel, Inc., Montreal.‘Beyond Boundaries’, a new awards category introduced in Dallas, was established to recognize members who exemplify many of Ensemble Travel Group’s core values. “Ensemble aspires to reach beyond traditional boundaries and embrace new and collaborative ways to inspire our members to reach their fullest potential,” said Co-President Libbie Rice. “At conference we honour those members who exemplify these principles and reach beyond their potential to be agents for change in a complex world. These members embrace social responsibility and community engagement and pursue excellence in extraordinary ways. It is with great pride that we celebrate those trail blazers with our Beyond Boundaries award.”More news:  Can you guess the top Instagrammed wedding locations in the world?Winners of the Beyond Boundaries Award from Canada are: Cruise Vacations, Winnipeg; Agence de Voyages La Para Travel, Montreal; and Departures Travel, Victoria.last_img read more

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Emirates launches second daily A380 service to Frankfurt

first_imgEmirates launches second daily A380 service to FrankfurtEmirates, a global connector of people, places and economies, has announced a second daily A380 service to Frankfurt, adding 1,155 seats a week on the route, with 280 in First Class and Business Class.Emirates operates 77 services from Australia to Dubai, with onward connections to Frankfurt, Germany.Commencing 1st January 2016, Emirates flights EK47/48, currently operated by a Boeing 777-300ER, will be up-gauged to an A380. The first scheduled A380 service between Frankfurt and Dubai was in September 2014; since then, over 280,000 passengers have travelled with Emirates on this route.“Our daily A380 service to Frankfurt proved to be extremely popular and we’re happy that demand has been so strong that we needed to increase capacity on the route. In fact, our four gateways in Germany are doing extremely well with 3 of them boasting a daily or double-daily A380 service. Should the opportunity arise, Emirates would be keen to fly to additional cities that are currently underserved, offering more choices to travellers,” commented Hubert Frach, Emirates’ Divisional Senior Vice President, Commercial Operations West. “Our customers love the A380 and adding a second one to Frankfurt will further enhance the travel experience on that route and provide more A380 to A380 connectivity to popular destinations around the world via our ultra-modern hub in Dubai,” added Frach.“We are pleased that Emirates decided to operate a second daily A380 to Frankfurt. It shows a clear commitment of Emirates and underlines the attractiveness of Frankfurt Airport”, said Dr. Stefan Schulte, Chairman of the Executive Board of Fraport AG.Emirates’ flight EK47 departs Dubai International Airport at 14:35hrs and arrives in Frankfurt at 18:40hrs. The outbound flight EK48 departs from Frankfurt at 20:30hrs and arrives in Dubai at 0610hrs the following day.The new aircraft will feature 14 Private Suites in First Class, 76 flat-bed seats in Business Class, and 429 comfortable seats in Economy Class. Passengers in all classes will enjoy access to over 2000 channels of films, TV shows, music and games through ice Digital Widesreen, the airline’s award-winning inflight entertainment system, as well as free Wi-Fi and gourmet cuisine. It will also offer access to the world’s only onboard Shower Spa for First Class passengers and to the Onboard Lounge, where First Class and Business Class passengers can socialise at 40,000 feet.As with all Emirates flights, passengers will be able to accumulate Skywards miles and benefit from a generous baggage allowance of 30kg in Economy Class, 40kg in Business Class and 50 kg in First Class. Passengers travelling in premium cabins will also enjoy Emirates’ dedicated lounge at Frankfurt Airport, as well as Emirates Chauffeur-drive service.Emirates also operates nine weekly freighter flights out of Frankfurt, offering a total cargo capacity of up to 1,000 tonnes per week. Main products transported include machinery, chemicals, pharmaceuticals and electronic equipment bound for markets in the Middle East, Africa, Asia as well as USA and Mexico. Fly EmiratesSource = Emirates Airlinelast_img read more

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Lately it seems you cant read a newspaper or turn

first_imgLately it seems you can’t read a newspaper or turn on the nightly news without getting bombarded with political rhetoric about how our government must do something to bring our country out of the economic doldrums. The debate boils down to raising taxes or cutting taxes. Either way, pundits complain that the rich are “not paying their fair share,” or that politicians are “just making their rich cronies richer.” It’s sad how much investors have to factor the current political climate into their investment decisions. But savvy investors have to cut through the political rhetoric and look at reality. Regardless of the party in power, all levels of government are masters at increasing tax revenue to help do their bidding.Once You Open the Door, 2% Can Turn Into 94% I looked up the history of the federal income tax and found some interesting data. The first income tax, passed in 1894, was a 2% tax on incomes over $4,000. Fewer than 10% of US households paid any federal income tax at all. After the 16th Amendment was ratified in 1913, there were seven income brackets for the federal income tax, the highest starting at $500,000 – or about $10 million in 2007 dollars. Tax rates ranged from 1-7%. Much like the old stories of vacuum-cleaner salesmen, once they get a foot in the door, look out! Trickery and deceit are a normal part of the political process. When the original income-tax law was passed, very few Americans were affected. The government was essentially taxing “someone else.” By 1944, the top marginal tax rate hit 94%. When politicians are faced with taking salary cuts or cutting payments to those who help elect them, they always find ways to extract more tax revenue from the working class. It’s been that way for all of time.Who’s Really Paying What? When I started hearing protests about the top 1% folks not paying their fair share, I realized that much of the noise was just rhetoric for politicians to sell a particular point of view. So what are the facts? One quite politically biased report I read claimed that the top 1% of taxpayers have an average net worth of a little over $19 million each. It basically implied that unless you’re worth $19 million or more, potential tax hikes won’t affect you. Bill Gates has an estimated net worth of $61.3 billion; the Walton family’s (of Walmart fame) combined net worth is about $93 billion. That means that Bill Gates is worth about 3,226 times more than the average top 1% folks, and the Walton family about 4,894 times more. $19 million may be the accurate average net worth of the top 1%, but averages can sure be misleading.Do You Feel Rich Today? After spending a couple frustrating hours on the Internet finding old data, I turned to our research team for some help. Adam Crawford, one of our energetic researchers, put together a much clearer picture based on a recent report from the US Census Bureau. The net worth on top of each column is the entry-level net worth – not the average – for each percentile noted. Adam also pointed out a couple of interesting items from the report. If you have a total net worth of $344,000, or $179,533 excluding the value of your home, you are better off than 80% of Americans today. The top 7% of the population begins at $856,000, but when you exclude personal-residence values, it’s $586,507. In simple terms, if you have a home worth around $270,000 and a $587,000 portfolio, you’re ahead of 93% of Americans. Those 93% think you’re rich, even though you’re a long way from $19 million. I mentioned to Adam that a lot of folks in California and the northeast must be in the top 7% because of real-estate values in those parts of the country. He reminded me that a person may live in a million-dollar home, but it’s likely heavily mortgaged. True net worth comes from equity, not your address.Retirement Income in the Post-2008 Economy I’ve read many reports claiming that the average net worth of 99% of the population dropped 20% or more after the 2008 housing crash. Many people had contemplated retirement with the idea of downsizing and investing some of their home equity to provide retirement income. Instead, they saw a couple hundred thousand dollars or more vanish as their home equity collapsed. Time to look at some real numbers. Let’s assume our entry-level elite top-7% couple – I’ll call them the “Rich Joe” family – has $86,000 in cars and “stuff,” and a $500,000 portfolio. If they’re retired, they have to live off income from their investments and Social Security… for the rest of their lives. In 2007, before the crash, a five-year CD paid around 6% interest; $500,000 invested in CDs at that rate would provide $30,000 in interest. Assume that Rich Joe family collected the Social Security payments of high-wage earners – $30,000 between Rich Joe and his wife. That’s a combined gross income of $60,000. If they spent and invested wisely, hopefully it would last. Times, however, have changed since the housing crash. Two percent is about the best rate Rich Joe family can hope for from a five-year CD, so their $500,000 investment in CDs now earns them only $10,000 annually. Their income has dropped from $60,000 to $40,000 per year. The picture is even gloomier when you factor in inflation. Current CD interest rates don’t even cover the current inflation rate. In other words, when Rich Joe family buys a five-year CD, at the end of the five-year period, even with interest, their buying power has been reduced. Many retirees are now finding second careers to supplement their income because they know that their life savings won’t last long enough. You many have noticed the number of seniors working in fast food restaurants, which may also be a factor in the high unemployment rate of young people today. Sadly, many grandparents are lamenting how they’ve had to really cut back on travel and Christmas gifts for grandchildren.Watch the Other Hand I have a friend who’s a pretty good amateur magician, doing many tricks with cards and coins. He regularly preaches to “watch the other hand,” and cautions his friends to do the same with the government. The current political debate is whether to extend the Bush tax cuts or make them permanent. I recently read another idea about extending them for everyone except folks earning over $250,000. Certainly most retirees don’t fall into that category, so they may not see the trick. What’s in the other hand? Since retirees can’t find decent yields on CDs and top-rated bonds, many have turned to good-quality, dividend-paying stocks. As of 2008, 42% of all reported dividend income went to people 65 and older. In the last four years, the percentage has likely risen dramatically as seniors saw their CDs mature and were offered inadequate rates to roll them over. The Bush tax cuts allowed for a 15% tax on dividends. I recently read that some politicians would like to let this portion of the tax cuts quietly expire also. If that were to happen, dividends would be taxed as ordinary income. That’s a jump to a 25% marginal tax rate for a married couple earning just over $70,000. Politicians and pundits may talk about the repeal as though it only affects folks earning $250,000 or more, but watch the other hand. Many retirees have given up on CDs and are investing in dividend-paying stocks. A higher tax rate on those dividends will affect a lot of retirees who need that money to pay their bills.“Don’t Trust the Government” Club What would be the consequences of taxing dividends as ordinary income? Some pundits argue that it would cause a sell-off of dividend-paying stocks. Maybe investors needing dividend income would see a reduction in their investment capital. Others disagree, pointing out that many mutual funds and 401(k)s are heavily invested in dividend-paying stocks, and they would hold on to them. The only common conclusion I can offer is this: If the Bush tax cuts on dividends expire, a lot of folks with income under $250,000 are going to see a bigger tax bite. There does not seem be a consensus that dividend-paying stock prices will drop because they are being sold as investors seek higher yields. The appeal of dividend-paying stocks taxed at a lower rate may lose some glamor, as investors evaluate their alternatives. Most baby boomers thinking about retirement have likely done a few calculations on one or more financial-planning websites, and the average yield on your investment portfolio after retirement is always a part of these calculations. My generation was encouraged to use 6% as a “safe” estimate. Now that CDs and top-rated bonds are not realistic options, investors have to put more of their money at greater risk for a decent yield. Certainly a 4% dividend taxed at a rate no higher than 15% is one option to consider, particularly if the investor thinks there will be stock appreciation as part of the process. Dividend-paying stocks are an option we don’t want to lose. Right now, my state of Florida has a senator from each political party, but in this case it makes little difference which side of the aisle they’re on. This concerns everyone living on a fixed income and everyone trying to figure out how they can afford to retire. I’ve written both of my senators and my representative, pointing out that the incomes of many seniors and savers have been radically reduced because the government holds interest rates near zero. They’d better vote to freeze the current tax rates and the tax on dividends, or seniors and savers will once again bear the brunt of their tax policies. Enough already! The average net worth of the top 1% may be $19 million, but some data from the Federal Reserve shows that the median of the top 10% of the population is approximately $1.8 million, inclusive of personal residences. Maybe Bill Gates and Warren Buffett make a lot of money on dividends, but the vast majority of retirees rely on that income to survive. If Mr. Buffett thinks millionaires should pay more in taxes, I can gladly direct him to a government website where he can voluntarily contribute to the federal government. Sometimes I feel like Papa Bear guarding the food supply – we need to let “Big Brother” know it better keep its hands off our dividends.On the Lighter Side The first weekend of the NFL season is now in the books. It’s interesting that the last three Super Bowl champions all lost their first games. Several games went down to the last minute or even into overtime, which kept a lot of folks glued to their seats. On Thursday night, the Bears take on the Packers – a rivalry of the highest order. And finally… With the political conventions behind us, we’re all being bombarded with campaign advertisements. I suspect I’m not the only person who is already sick of the negative advertising, and we still have two months to go. Political candidates and their consultants seem to think their best bet is to depict their opponent as some sort of a crook or bum beholden to special interests. It’s no wonder voters are so cynical when the election rolls around. I have a friend who gets pretty upset and starts yelling at the TV when he knows the facts have been misrepresented. He told me he’s relinquished total clicker control to his wife until after the election – a wise man. Until next week…last_img read more

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Over the past three years Ive had one major goal

first_imgOver the past three years, I’ve had one major goal in my personal life: To stop being so angry.Anger has been my emotional currency. I grew up in an angry home. Door slamming and phone throwing were basic means of communication.I brought these skills to my 20-year marriage. “Why are you yelling?” my husband would say.”I’m not,” I’d retort. Oh wait. On second thought: “You’re right. I am yelling.”Then three years ago, an earthquake hit our home: We had a baby girl. And all I wanted was the opposite. I wanted her to grow up in a peaceful environment — to learn other ways of handling uncomfortable situations.So I went to therapy. I kept cognitive behavioral therapy worksheets. I took deep breaths, counted to 10 and walked out of rooms. And I even meditated at night.These strategies helped me manage the anger, but they never really decreased it. It was like keeping a feral horse in a barn. I was contained, but not really domesticated.Then, six months ago, I was talking with Lisa Feldman Barrett, a psychologist at Northeastern University. Right at the end of the hour-long interview, she tossed out this suggestion: “You could increase your emotional granularity.”My emotional what?”Go learn more emotion words and emotion concepts from your culture and other cultures,” she added.Over the past 30 years, Feldman Barrett has found evidence that anger isn’t one emotion but rather a whole family of emotions. And learning to identify different members of the family is a powerful tool for regulating your anger, studies have shown.Or better yet, as I found, go and make up your own anger categories and start using them.What is anger?There’s a common theory about anger. You’ll find it in text books, scientific papers, news reports — even here at NPR. And some scientists support the theory, says Feldman Barrett.The idea is that anger is one of several “basic emotions” that are universal, Feldman Barrett says. It’s almost like a reflex — hard-wired in the brain. When something unjust or unfair happens to you, “your blood pressure often goes up. Your heart rate will go up. Maybe you’ll breathe heavily or you’ll have a reddening of your skin,” she says. “Then you’ll have an urge … to punch or yell at someone. That’s the stereotype of what anger is,” Feldman Barrett says.But it’s not the full story.Anger around the worldWhat you feel when you’re angry depends on the situation, what your past experiences are and how your culture has taught you to respond, she says.As a result, there is actually enormous variation in the types of anger in the U.S., like exuberant anger when you’re getting pumped up to compete in sports, or sad anger when your spouse or boss doesn’t appreciate you.When you look at other cultures, the variation explodes.Germans have a word that roughly means “a face in need of a slap,”or backpfeifengesicht. “It’s like you’re so furious with someone that you look at their face, and it’s as if their face is urging you to punch them,” Feldman Barrett says. “It’s a great emotion.”Ancient Greeks differentiated between a short-term anger that doesn’t stick around (ὀργή or orge ) with a long-lasting anger that’s permanent (μῆνις or menin).Mandarin Chinese has a specific word for anger directed toward yourself, 悔恨 or huǐhèn. It’s literally a combination of regret and hate, says linguist Yao Yao at Hong Kong Polytechnic University. “You regret something you did so much, that you’re angry at yourself,” she says.Thais have, at least, seven degrees of anger, says linguist Yuphaphann Hoonchamlong at the University of Hawaii. “We don’t walk around saying ‘I’m angry.’ That’s too broad,” she says. “We may start with ‘I’m displeased’ and ‘I’m dissatisfied’ and then increase the intensity,” she says.And India is a treasure trove of angers.”There’s a common form of anger which means like ‘when eggplant hits the hot oil,’ ” says Abhijeet Paul, who teaches South Asian literature at Middlebury College.”You suddenly become, like, really angry at hearing something shocking or learning something that you really, really dislike,” Paul says.Indians also differentiate between political anger, which you have for the ruling class or “boss man,” and personal angers, which you have for a friend, family or neighbor. You would never mix the two and express political anger in a personal relationship, Paul says.”There’s also a very interesting anger that is a loving anger,” Paul says. You express this emotion toward a spouse when your spouse has angered you but you can’t help them, only love them, he says. “It’s a mixed bag of love, grief, sorrow and anger.”Personalize anger to help regulate itSo in many ways, anger is like wine. There are these major varieties — such as chardonnay and pinot noir — but each vintage has its own unique combination of aromas, flavors and potency. The more practice you have at detecting — and naming — these nuances, the better you understand wine.And if you learn to detect all the various flavors and nuances of anger and label them, you can start to handle your anger better, says psychologist Maria Gendron at Yale University.”There’s definitely emerging evidence that just the act of putting a label on your feelings is a really powerful tool for regulation,” Gendron says. It can keep the anger from overwhelming you. It can offer clues about what to do in response to the anger. And sometimes, it can make the anger go away.The idea is to take a statement that’s broad and general, such as, “I’m so angry,” and make it more precise. Take the Thai: “I’m displeased,” or the German “Backpfeifengesicht!”Psychologists call this strategy emotional granularity. Studies show that the more emotional granularity a person has, the less likely they are to shout or hit someone who has hurt them. They are also less like to binge drink when stressed. On the other hand, people diagnosed with major depressive disorder are more likely to have low emotional granularity compared to healthy adults.”There’s a whole arm of research showing how functional it is to have finely tuned categories for our experiences,” Gendron says.Emotional granularity is like watching HDTV versus regular TV. It lets you see your anger with higher resolution, Gendron says. “It gives you more information about what that anger means, whether you value that experience and choices about what to do next,” she says.This last part is key: Being granular with you anger helps you figure out what’s the best way to handle the situation — or whether you should do anything at all.For instance, if you are feeling a quick burst of anger, which you know will fade rapidly, then maybe doing nothing is the best strategy.And you don’t have to limit yourself to the labels that already exist, Gendron says. Be creative. Analyze what’s causing your various angers, give them specific names and start using the terms with family and coworkers.”If you’re making a practice in your family of coming up with words and then using them together, that actually can regulate physiology,” she says. “That can resolve the kind of ambiguity about the situation.”Personally, I found this strategy the most helpful. I started paying attention to what typically triggers my anger at work and at home. And I found three major types, which I named.Illogical anger: This emotions happens when somebody at work makes a decision that seems completely illogical. Once I labeled this anger and started tracking what happens afterwards, I quickly realized that trying to convince an illogical person of logic is often futile – and a waste of time.Hurry-up anger: This is the anger I feel when someone else is not doing something fast enough — yes, I’m talking about the driver of the gray Prius at the stoplight this morning or the 3-year-old who will not put her shoes on fast enough. Once I labeled it, I realized that cars, people and toddlers eventually move. Huffing and puffing doesn’t make it faster.Disonophous anger: This is my favorite anger. And has the biggest impact on my life.I wanted to figure out how to decrease yelling at our house. So I started paying attention to what often occurred right before the screaming began. It was super obvious: The dog was barking and the toddler was screaming. Basically two loud sounds simultaneously. So my husband and I made up disonophous anger from the Latin for “two sounds.”Now when my husband says, “I have disonophous anger, Michaeleen …” we know exactly what to do: Put the dog on the porch and pick up the baby.And I know he’s not angry at me. He just wants some peace and quiet. Copyright 2019 NPR. To see more, visit https://www.npr.org.last_img read more

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Nearly half the sports at this summers Paralympic

first_imgNearly half the sports at this summer’s Paralympic Games in Rio will not be covered live on television after the host city scrapped plans to pay for an expansion of its coverage.The Rio organising committee has decided not to provide the funding needed to increase the number of Paralympic sports that were covered live at London 2012, because it could not afford the extra expense.This means that the Olympic Broadcasting Services (OBS) will provide live TV feeds for just 13 of the 22 sports, so there will not be live coverage from Rio of some of the biggest British names from London 2012.Channel 4 was responsible for the critically-acclaimed UK coverage of the London 2012 Paralympics and has the UK television rights for the Rio Paralympic Games.But the UK broadcaster has no say over which events are covered live, and has instead pledged to provide its own camera teams “at the finish line” to at least “capture British medal wins and the reaction of athletes after their events”.The sports that OBS will not cover live are goalball, triathlon, rowing, canoeing, sailing, shooting and archery, as well as road cycling, although track cycling will be covered.There will also be no live pictures from the marathons, which means no coverage of one of the stars of the ParalympicsGB team, David Weir, in one of his gold medal events from London 2012.And there will be no live feed from the equestrian events, which rules out another of the British team’s high-profile stars, Sophie Christiansen (pictured at London 2012), who won three golds at London 2012, and double gold-winner Natasha Baker.The OBS decision also means there will be no live coverage of boccia, the sport that features those Paralympic athletes with the highest support needs.The OBS plans are detailed in a Channel 4 briefing document obtained by Disability News Service (DNS) through the disabled Liberal Democrat peer Lord Addington.The document was prepared by Channel 4 after Lord Addington told the government of his plan to raise the issue of live Paralympic coverage in the House of Lords.Channel 4 says in the document that it will broadcast “all sports with British representation” which are covered live by OBS, on Channel 4, More4 or its online channel All4.It says the decision on which sports are covered live is made by OBS and the Rio 2016 local organising committee, and that it has been working with the International Paralympic Committee (IPC), OBS and the Rio committee to “ascertain the scope for extending live coverage to all sports particularly where British teams are represented”. These efforts appear to have failed.Lord Addington told DNS that he had heard about the problem at a parliamentary event on rowing, and emphasised that “it really isn’t Channel 4’s fault”.Because the television coverage of London 2012 was so successful and had “set a precedent”, he said, it was assumed that it “would go on from there” with live coverage of more sports at Rio, but that had not happened.He said: “One of the big successes of 2012 definitely was the way that the Paralympics was brought out to our attention, and I was hoping that this would be followed up [for Rio].“There are a lot of events out there but I would hope as a matter of course that everything would be covered.“This is something which should be a normal price of having the games: that all the Paralympic sports are covered.”He said he wanted the government and the British Paralympic Association to ensure that all sports were covered live at future Paralympic Games, but the government had “ducked” this request.He said he had been told the loss of extra live coverage was because of the crumbling Brazilian economy, with the local organising committee trying to cut down on the cost of expensive live outside broadcasting.Last week (7 July), he asked the government to promise that it would encourage the IPC to insist that all future host cities “guarantee in the planning process that the Paralympic Games will have full coverage”.He told fellow peers: “That will ensure that we do not have the situation we are in now, where certain sports will happen to be missed out, many of which have good British medal prospects.”But the hereditary Tory peer the Earl of Courtown said it was for UK Sport to pressure the IPC on television coverage of future Paralympic Games.Asked whether it was concerned at how many sports would not have live coverage, a Channel 4 spokeswoman said: “We will be showing more hours of live sport online and on television than we did in 2012.“We are fully committed to giving the best coverage we possibly can and are continuing to work closely with the host broadcaster to that end.”She added: “We’re delivering the most comprehensive and innovative coverage of the games ever.“With a combination of live units and roving cameras we will cover rowing, canoeing, equestrian, sailing, road cycling, marathons, triathlon, boccia, archery and shooting and can be flexible on the ground to make sure we broadcast as many medal successes as possible.“Our ambition is to show as many [British] medal-winning performances live as possible – every single medal will be reflected in the coverage.”The Rio organising committee had not responded to a request for a comment by 11am today (Thursday).But an OBS spokesman said: “In the Paralympic Games the scope of coverage is defined by the organizing committee of the Paralympic Games, in this case Rio 2016, as they are responsible for funding this production. “Usually, the baseline coverage for every Paralympic Games is the broadcast coverage plan from the previous games.“In Rio, OBS, at the request of Rio 2016, developed a broadcast plan that included the sports covered live in London.“OBS also proposed a few other sports for additional live coverage. This plan was presented to the Rio 2016 committee and the International Paralympic Committee with the corresponding budget.“Rio 2016 then reviewed the proposal but eventually determined that the increase in live sports coverage was outside their budget and as a result, the live broadcast plan in Rio is identical to the plan from London.”OBS was set up by the International Olympic Committee in 2001 and is responsible for providing “unbiased” pictures and sounds from all Olympic and Paralympic Games to broadcasters that hold the rights to broadcast the games in each country.Channel 4 will provide nearly 120 hours of live television coverage across Channel 4 and More 4.Nearly three-quarters of its presenters, reporters and pundits will be disabled – which Channel 4 says will be the largest number of disabled presenters ever seen on UK television – including its four daytime studio anchors and its entire swimming on-screen team, while more than 15 per cent of its Rio production team will be disabled people.The Last Leg, featuring the disabled comedian Adam Hills and disabled journalist and presenter Alex Brooker, will be filmed live every night during the games in front of a studio audience at the Rio Olympic Park.Other disabled presenters will include Breaking Bad actor R J Mitte, broadcaster and campaigner Sophie Morgan and retired Paralympian Ade Adepitan, with reporters including retired Paralympians Steve Brown, Martine Wright, Steve Rose, Sophia Warner, Danny Crates, Giles Long, Liz Johnson and Peter Norfolk.All coverage will be available with subtitles, and a signed and audio described version of the opening and closing ceremonies will be broadcast simultaneously on 4seven, with audio described and signed editions of The Last Leg available each evening on 4seven soon after the live broadcast.last_img read more

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Tesla Owner Banned From Driving for 18 Months for Turning on Autopilot

first_img Tesla will be one of the first to tell you not to put too much faith in Autopilot. It’s currently more of an advanced driver assist than a full self-driving system. However, one driver recently ignored that advice in dramatic fashion.Nottingham, U.K. resident Bhavesh Patel has received an 18-month driving ban after he was caught sitting in the passenger seat of his Model S on the M1 in May 2017. The man said he invoked Autopilot and was betting that its “amazing” semi-autonomous guidance would keep the car rolling at the estimated 40 MPH of surrounding traffic.He didn’t crash, but that obviously didn’t matter. Police noted that what he did was “grossly irresponsible” and was risking not just his life, but those of “other innocent people.” On top of the ban, Patel has to work 100 unpaid hours, conduct 10 days of rehabilitation and pay £1,800 (about $2,480) in prosecution costs.It almost goes without saying why doing this would be dangerous: Autopilot can keep your car in its lane and maintain a traffic-appropriate speed, but it won’t perform evasive maneuvers or otherwise react well in emergencies. There is a question about how long Patel managed to keep Autopilot going, though. The system requires that you keep your hands on the wheel. Ignore warnings for a minute and Autopilot will not only switch off for the rest of the drive, but (if you continue to ignore it) bring the car to a complete halt. Patel most likely stayed in the passenger’s seat for just a brief period, but it’s slightly disconcerting that he had any time to crawl around the Model S without Autopilot bringing his experiment to a premature end.Man pleads guilty to dangerous driving after switching on his car’s autopilot and moving over to the passenger seat while travelling along the M1 near #HemelHempstead: https://t.co/GrKppSLVZT pic.twitter.com/JPYgk9eyDM— Herts Police (@HertsPolice) April 27, 2018  Next Article He put too much trust in Autopilot. Tesla Owner Banned From Driving for 18 Months for Turning on Autopilot and Leaving the Driver’s Seat This story originally appeared on Engadget Image credit: PA Images | Getty Images via engadget –shares 2 min read April 30, 2018 Add to Queue Jon Fingas Tesla Fireside Chat | July 25: Three Surprising Ways to Build Your Brand Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. Enroll Now for $5last_img read more

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Improve Employee Morale and Save Money by Going Green

first_img July 25, 2016 Guest Writer “Going green” is by no means a modern movement, but technology has certainly modernized our approach to sustainability. Solar panels, hybrid vehicles and energy-efficient appliances have become normal aspects of life in many parts of the world. And though none of it happened overnight, many would argue that similar advances are taking too long to catch on in the business world.The topic of the “paperless office” still elicits many eye rolls and is treated as something unattainable — dismissible, even — when in fact, corporate sustainability has emerged as a fundamental part of 21st century business strategy.Related: The Still-Not-Here-Yet Paperless OfficeThere is certainly plenty of room for improvement here. According to The Paperless Project, a grassroots coalition of companies focused on transforming the way organizations use paper and electronic content, it takes 24 trees, 2.2K lbs of solid waste and 19K gallons of water to make one ton of paper. After all that, almost half — 45 percent — of the paper we print ends up in the trash every day.From some viewpoints, a corporate sustainability program might seem like a nice-to-have, but when you consider the massive amount of waste created by businesses — even with the many technology-driven options now available — it is, irrefutably, a must-have. We all share a collective responsibility to reduce paper waste and cultivate a more sustainable lifestyle, from our homes to our offices. Luckily, a corporate sustainability program does more than just eliminate paper. You can actually improve employee productivity and spread an altruistic sentiment while shaving costs off your bottom line. And in a competitive global marketplace, having a strong reputation for sustainability can be a key distinguishing factor — especially among millennials, a group that’s growing quickly in buying power, influence and presence in the workforce.Here are three ways corporate sustainability can improve employee morale and save your company a boatload of cash:1. Time is money.Paper is wildly inefficient. Think of how much more time it would take to search for a mis-filed paper document versus a digital file that had been dropped in the wrong folder, or the time and effort required to print a document, sign it, scan it and email it. It should be a no-brainer, but employee habits and lax paperless policies have maintained paper as a fixture in many offices worldwide.A recent survey, conducted by Nitro, revealed more than 70 percent of IT leadership identify paper as a continued organizational obstacle, and more than 50 percent see inconsistency in workflow and collaboration. More than 40 percent struggle with document version control, and more than 33 percent grapple with lack of visibility of their knowledge workers’ document activity. With paper in the picture, it’s hard to view these productivity-draining challenges as anything but insurmountable.Related: Why Environmental Responsibility Is Good for Your Bottom LineAt Nitro, we endeavour to practice what we preach. We’re selling digital document productivity, but we’re also practicing it on a daily basis. In fact, a recent internal survey revealed that more than 40 percent of Nitro employees say they never print anything. It helps that everyone has access to our tools, which eliminate a lot of the frustrations and productivity sinks we hear about from our customers.In addition to equipping employees with the right digital tools to help them break their existing paper-based habits, we put an emphasis on integrating the sustainable and paperless mindset into the company culture through company-wide trainings and competitions. The result is reduced waste, increased productivity and more money in the bank — money that we’ve been able to reinvest into our people and our business.2. It’s a feel-good approach to saving.Going paperless doesn’t just save you cash and increase productivity. It can significantly impact your company morale. Over the past ten years, consumers (aka employees) have become more interested in sustainability, more concerned about environmental threats and are more willing to take action and/or direct their dollars in ways that benefit (or don’t harm) the environment. Rates of recycling and composting have consistently been climbing, and people, businesses and governments are working to reduce waste through measures like charging for plastic bags, redistributing food leftovers and biking to work.At Nitro, we have a robust recycling and composting program that  is peer-managed. We put the onus on our employees to maintain sustainable practices, and that genuineness goes a long way in terms of their perception of Nitro as an employer. We also encourage biking to work and have designated areas throughout our office for bike storage. We make it fun, yes, but we trust that when we give our employees the tools to be better and do better, they will. We’ve found this to be extremely successful and it certainly improves morale.3. Attracting the next-generation of employees.You know all those millennials and Gen Zers who will soon dominate the workforce? Sustainability means a lot to them. In her book Meet the Millennials, Leigh Buchanon writes: “One of the characteristics of millennials […] is that they are primed to do well by doing good. Almost 70 percent say that giving back and being civically engaged are their highest priorities.”The new generation of knowledge workers seem to work for a purpose and not just a paycheck. They are not interested in working for employers who disregard the environment or cling to antiquated processes.From the employer perspective, we look to hire people who are good people — people who care about their customers, colleagues and the world they live in. Our hiring practices relate to sustainability in a lot of ways, mainly because we’re a technology company. We want to hire people who rely on technology to be super productive. We have paperless hiring processes so it’s only natural that we want people who work the same way.Related: 3 No-Brainer Reasons Why I’m Going More Green — And Why You Should TooThe reality is that people roll their eyes about the paperless discussion, and maybe some people will always have that attitude. But sustainability initiatives are still very relevant today from both an environmental perspective and an efficiency perspective.We at Nitro accept that paper will be used for certain things and is required in certain instances, but where we can and should, we rely on and incorporate digital workflows. Outside of this being a more sustainable approach, we’ve absolutely seen, and continue to see, productivity benefits. Improve Employee Morale and Save Money by Going Green Free Webinar | July 31: Secrets to Running a Successful Family Business Opinions expressed by Entrepreneur contributors are their own. –shares Next Article 6 min read Register Now » Gina O’reilly COO at Nitro Add to Queue Learn how to successfully navigate family business dynamics and build businesses that excel. Sustainabilitylast_img read more

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