All joking aside, an odd coping mechanism could be the reason the Minnesota Vikings have blown leads and are sitting at 0-4.“The knock against Donovan [McNabb]…is his intensity level is not what it needs to be, both throughout the week and during games,” said Ron Wolfley, co-host of Arizona Sports 620’s Doug & Wolf Show. Wolfley was quick to add that this is not his opinion, but something he has heard around the NFL. Top Stories 0 Comments Share What an MLB source said about the D-backs’ trade haul for Greinke Nevada officials reach out to D-backs on potential relocation Cardinals expect improving Murphy to contribute right away D-backs president Derrick Hall: Franchise ‘still focused on Arizona’ Apparently McNabb’s way of coping with the pressure brought on by a close game is to start laughing and joking with his teammates. This may be a great way to break the tension, but Wolfley said that seeing a man who commands respect throughout the NFL, like McNabb, smiling his way through the fourth quarter is demoralizing.“He is a king in the locker room and you can’t have a mad king in the locker room,” said Wolfley, adding that joking around after a loss — especially a close one — can take the intensity that is needed to improve for next week and drop it through the floor.“Football is a sobering game and it’s played by serious people,” Wolfley said.When the Cardinals come to town on Sunday, it is going to be a test for two teams who entered the seasons with high hopes and the glint of a possible stunner season in their eyes. Two teams who now have won just a single game between them.We’ll see who has the last laugh on Sunday.
Swiss ISP Sunrise Communications has chosen Entone to supply set-top boxes for its IPTV service. Entone will supply its hybrid Amulet 400 boxes to Sunrise. Logistic services are being provided by Entone’s local partner Adrenio.Sunrise’s service, launched in January, provides 160 TV and radio channels including 29 HD services. A basic package is available for CHF125 (€103) a month, including 20Mbps broadband and free fixed-line calls as well as TV. The company is offering catch-up service Comeback TV, with the ability to watch selected programmes from over 40 channels up to 28 hours after their initial broadcast, as well as a pause live TV function.“To position us for growth, we need reliable, quality products that can enable us to continue to deliver differentiating services,” said Thomas Leber, senior manager, wireline at Sunrise. “Entone’s strong commitment to product support was a key factor in our decision to deploy the Amulet. Amulet also easily integrates with our eco-system partners, allowing us to rapidly deploy IPTV services across our expanding footprint. Partnering with Entone will help us take advantage of the additional revenue stream opportunities while providing our subscribers added benefits and viewing flexibility.”
New Social Security changes will hit these seniors the hardest Some of the hardest hit by the recent Social Security changes will be couples and divorced women. Which is why Dr. David Eifrig recently teamed up with one of the foremost Social Security experts in the world. Click here to see what this man is saying and learn how to navigate these changes. “I lost a chance to make $30 million” The true story of how a New Jersey man said “no” to an investment that had the potential to make him an unbelievable 300,000% return… and how it’s since led to one of the most popular new investment strategies in America. TV Investing Guru: Returns Could Have Been Better Using an Unlikely Source! When a PhD applied his investing calculator to a famous TV investor’s portfolio, the results were amazing. So much so that he then used his calculator on the portfolios of other investing experts and back-tested their returns. What did he find? This free presentation reveals everything. Learn more. L: I’ve actually been present at a nice dinner in an expensive restaurant when you did this, and it was in the predominantly Catholic country of Argentina. But, to be fair, the dinner was with old cronies of yours, who know very well how you like to stir things up. Have you ever actually done that in a group of total strangers? Doug: Yes, I have, with entertaining results. As you know, I’m a great believer in entertainment and refuse to waste much time talking about the weather and the roads. The next subject is philosophy, and abstract, theoretical philosophy is not very entertaining, so that leaves practical philosophy: Politics and religion. L: The two forbidden subjects. I should have known. But you know, in addition to people who wrote after our last conversation to say that you are wrong about the Tea Party, we got letters from people who said that you contradicted yourself, saying you don’t make fun of religion, and in the next breath speaking of parroting and chimpanzees. I replied that if they would look carefully at what you said, it was not the religion you were poking fun at, but at dogma, at the religious-flavored groupthink that can be so dangerous. I don’t think I’ve ever heard you criticize Jesus or his teachings. Churches are another matter entirely. Churches are human organizations, run by fallible human beings, with their own ends in mind. Churches can and should be held up for scrutiny and criticism, just like any other human institution. Doug: I admit that many of Jesus’s words were very wise. But Paul took over as his promoter after Jesus died, and many of Paul’s ideas were very different from Jesus’s. Paulism is really an entirely different religion from Jesusism, though they’ve become conflated in modern Christianity. L: I agree, and Jesus also brought a “new covenant” that set aside much of the Old Testament, so the frequent citations of the Old Testament as grounds for persecuting homosexuals or other religions also run counter to the teachings of Jesus, in my view. I like looking at what Jesus is reported to have actually said and done, himself – not Paul, and not Moses. Doug: Some readers might be surprised to know that I’ve actually read the Bible and made a study of many religions. The more I learn of them all, the less I’m inclined to believe any one of them, but if we define religion as a quest for some form of spiritual reality, I certainly don’t in any way denigrate or make fun of religion. Unfortunately, that’s not how most people approach religion; for many, it’s a balm for their fears and miseries, rather than a path to enlightenment. L: I can see that… But we digress. The topic today was holidays…so, if you don’t believe in holiness, what do you do on holy days, and why? Doug: I’m a big fan of the winter solstice and the summer solstice. Those are important turning points for life on this planet, and worth celebrating. Presents are nice – it’s fine to give things to people you like. Even the shared traditions of society can be nice, though I have to say that the religious significance of many of these holidays has been totally lost to the commercial events they have become. In point of fact, by Christian tradition, Easter is the holiest of holidays, not Christmas, but all most people think of at that time are bunnies, chocolates, and colored eggs. Doug Casey is a multi-millionaire speculator and the founder of Casey Research. He literally wrote the book on profiting during economic turmoil. Doug’s book, Crisis Investing, spent multiple weeks as number one on The New York Times best sellers list and was the best-selling financial book of 1980. Doug has been a regular guest on national television, including spots on CNN, Merv Griffin, Charlie Rose, Regis Philbin, Phil Donahue, and NBC News. Doug and his team of analysts write The Casey Report, one of the world’s most respected investment advisories. Each month, The Casey Report provides specific, actionable ideas to help subscribers make money in stocks, bonds, currencies, real estate, and commodities. You can try out The Casey Report risk-free by clicking here. The #1 Currency for the “End of America” Today, most Americans know absolutely nothing about, let alone own, this incredibly valuable asset. This has nothing to do with gold coins, silver, collectibles, or real estate of any kind, yet it could be the single most important step you take to preserve your wealth. Click here to learn more. — L: You’re right. I’m what you might call an Atheist Christian; I don’t believe in any gods, but I do find great value in what Jesus actually said and taught, which was to love, forgive, and let live. That’s quite different from what many modern churches teach, which is to fear and to try to control the behavior of others. Such people often have no qualms about employing the coercive machinery of the state to impose their values on others, which Jesus never did nor advocated – his slate was clean, and yet he cast no stones. But to answer your question, ever since I was a teenager, I’ve thought Christmas, at least as practiced in most of the West, is a bad idea. It all revolves around a massive conspiracy of lies aimed at controlling children. I never wanted to control my children; I wanted to help them learn self-control. I decided long before I had any children that I would never lie to mine. That’s bad psychology. I wanted my children – whatever else they might come to think – to always regard me as a reliable source of information. And 23 years after the first was born, they all still do. Plus, if you think about it, Santa Claus is basically God on training wheels. He’s omniscient – knows if you’ve been bad or good – and punishes or rewards you accordingly. If I believed in a god, this would seem like a bad idea to me, as children come to first discover that Santa does not know everything, and then find out the whole thing is a scam. The collapse of the Santa conspiracy sows seeds of doubt as to the supernatural – not to mention distrust of parents. Doug: But you didn’t send your kids back to school having to confront their peers after receiving no presents… L: Of course not. We enjoyed the holiday songs and stories; I just never told my children they were true. They were fun fantasies like Curious George or Batman. I buy trees and decorate them, but I call them New Year’s trees, and we give each other presents on New Year’s Eve. Later, when I started making friends in former Soviet countries, I found that the Soviets had done essentially the same thing; Marx said religion was the “opium of the masses,” after all. It was a slightly embarrassing discovery for a staunch capitalist to make, but a good joke on me. At any rate, we’re here to talk about your take on all this. Are you a Grinch? Doug: I’ve never read that story, nor watched the cartoon all the way through, to be honest with you. L: But you’ve heard of How the Grinch Stole Christmas! by Dr. Seuss? You know what I mean by Grinch? Doug: Yes. L: So, are you a Grinch? What do you do when you’re visiting someone during the holidays and they bow their heads to say grace? Doug: I listen respectfully, but then I always ask if I can say grace too. They usually say, “Well, of course!” And the grace I usually say is either to Odin, who’s a favorite myth of mine, and sometimes to Crom, who was the god of Conan the Barbarian. “Oh Crom, help us to slay our enemies, ravish their women, burn their houses and enslave their children – and if you won’t help us, then to hell with you.” That always sets the tone for an excellent dinner conversation. Recommended Links (Interviewed by Louis James, Editor, International Speculator) This interview was first published on October 13, 2010 Editor’s Note: Happy Holidays from everyone at Casey Research. In today’s edition, Casey Research founder Doug Casey and International Speculator editor Louis James discuss how they celebrate Christmas. Louis James: Happy Canadian Thanksgiving, Doug. But you’re an atheist, and you pay for your own meals, so whom do you give thanks to, if anyone? Doug: Yes, I guess it’s getting to be that time of year. Holidays can be fun, regardless of one’s beliefs, and, for the record, neither you nor Bob Cratchit have to work Christmas Eve. L: I probably will anyway. I celebrate the New Year, and sometimes raise a glass to Sir Isaac Newton, whose birthday was December 25, but not Christmas. Doug: Why is that? I know you’re an atheist as well, but you also call yourself a student of the carpenter of Nazareth, so why not celebrate his birthday? Recommended Links — – –
Americans are falling behind on their car payments…If you’ve been reading the Dispatch, you know the price of oil has plummeted as much as 75% since June 2014. Two months ago, it hit its lowest level since 2003.Since then, oil has rebounded 45%. But even after that big bounce, oil is down 61% from its 2014 high.• The world has too much oil…New technologies like “fracking” have unlocked billions of barrels of shale oil that was once impossible to extract. From 2007 to 2014, oil production in U.S. shale regions jumped eight-fold.For a while, this led to a huge boom in shale oil stocks. Occidental Petroleum (OXY), the largest U.S. shale company, jumped 158% from 2007 to June 2014. EOG Resources (EOG), the second-largest, surged 300%.• But when oil prices crashed, oil stocks crashed, too…The Market Vectors Unconventional Oil & Gas ETF (FRAK) has plunged 58% since June 2014. This fund tracks U.S. shale oil and gas companies.Shares of the world’s five biggest oil companies—Exxon Mobil (XOM), Chevron (CVX), BP (BP), Total SA (TOT), and Royal Dutch Shell (RDSA.L)—have fallen an average of 29% over the same period.Schlumberger (SLB), the world’s largest oil services company, has plunged 36%. Oil services companies sell “picks and shovels” to the oil industry.• Oil and gas companies slashed spending by 23% last year…They sold pieces of their businesses. They abandoned more than $100 billion in projects. The industry has even laid off more than 250,000 workers since oil prices peaked.And more job cuts are likely coming. Investment bank Barclays expects oil and gas companies to cut spending by another 15% this year.• The oil crisis is spreading to the car industry…During the boom times, oil “roughnecks,” who work on the drilling rigs, were easily making more than $100,000 a year.Now thousands of these folks are out of work…or have taken huge pay cuts. Just like businesses, people have to cut expenses when they’re making less money. And people in major oil-producing states aren’t paying their car bills…CNNMoney reported last week:North Dakota, the epicenter of the shale oil boom and subsequent bust, experienced a 42% spike in seriously delinquent (60 days or more) auto loans during the fourth quarter, according to TransUnion.Louisiana, another state hit hard by the oil crash, had the highest auto delinquency rate, while late payments in Texas and Oklahoma jumped about 14% apiece.• Delinquency rates could keep rising…Many shale oil companies need $50 oil to make money. With oil at $41 a barrel, lots of companies are still losing money.Half of U.S. shale oil companies could go bankrupt, according to CNNMoney. Tens of thousands more oil workers could lose their jobs.• As Dispatch readers know, borrowed money caused the U.S auto industry to boom…Auto sales have climbed six consecutive years. Last year, U.S. auto sales hit an all-time record of 17.5 million.Americans bought many of these cars on credit. Since 2010, the total amount of U.S. auto loans has surged 50%. Last year, the auto loan market topped $1 trillion for the first time ever.A few weeks ago, we explained what’s driving this borrowing frenzy. In short, it’s never been cheaper or easier to get an auto loan. Borrowing costs have collapsed. In 2007, the average interest rate for an auto loan was 7.7%. Today, it’s 4.3%.• The auto loan industry is starting to crack… Subprime auto loan delinquencies hit a twenty-year high last month. “Subprime” describes a loan made to someone with bad credit.Financial Times reported last week:The rate of “subprime” motor loans overdue by more than 60 days rose to 5.16 per cent in February. This surpassed the post-financial crisis peak and was the highest since the 5.96 per cent reading in October 1996, according to the rating agency. — Mark Ford: Join me Tonight [free event]I hope you’ll join me for a special online training event tonight, Monday, March 21st… I’ll discuss income ideas that work in any economy. Whether you are young or old… retired or still working… in debt or well-off. I call them “Extra Income Opportunities.” And I want to send you your first “Opportunity” right now, if you sign up here… (It’s free!) Recommended Links What you need to know about the incredible opportunity in gold, right nowWe recently put together a presentation revealing the single best opportunity you have to make 500%+ gains in gold over the coming years. This is one of those extremely rare chances you almost never get to make outrageous returns with even a small investment. See more, here. – • Subprime auto loans are the new subprime mortgages…Reckless lending practices fueled the housing run-up from 2000 to 2005. Thinking housing prices would “never fall,” lenders issued mortgages to folks who couldn’t afford it. When housing prices crashed, subprime borrowers defaulted on their loans. The implosion of the housing industry sparked the 2008 financial crisis.• Investors who predicted the housing collapse made a fortune…Hedge fund managers like John Paulson and Kyle Bass knew housing prices would eventually fall back down to earth. They made billions betting against lenders who made bad loans.Companies like Washington Mutual, a savings bank holding company, suffered huge losses during the 2008 financial crisis. It eventually went out of business.• Several Dispatch readers have asked how to bet against the subprime auto loan market…From 2000 to 2005, DR Horton (DHI), the largest U.S. home builder, gained more than 1,100%. Lennar Corporation (LEN), the second-largest, gained nearly 900%.The crazy run-up in these stocks made them obvious short candidates. When the housing crisis hit, DR Horton’s stock plunged 89%. Lennar plunged 94%.Despite record car sales, U.S. carmakers haven’t had a big rally. In fact, they haven’t gone up at all. General Motors (GM), the largest U.S. carmaker, has fallen 14% since 2011. Ford (F) has dropped 21%.We don’t know why record car sales have failed to spark a rally in U.S. automaker stocks. Perhaps folks are wising up to the Fed’s funny money. After all, the housing crash wiped out millions of people financially. Investors who see that cheap credit is the only thing driving record auto sales are saying “we’re not falling for that again.”• We don’t recommend shorting automaker stocks…But there is a way to “short” the fragile auto loan market. You can bet against the reckless government policies that caused the lending craze in the first place.Regular readers know the Federal Reserve has pinned its key interest rate near zero since 2008. This has made it extremely cheap to borrow money not just for cars, but for everything. With interest rates at ridiculously low levels, nothing is too expensive or too extravagant for Americans to buy.All this cheap money has pushed prices of commercial property, stocks, and bonds to all-time highs.Meanwhile, the “real” U.S. economy has barely grown since 2009. The financial system has lost touch with reality. We’re now living in an “Alice in Wonderland” economy.• The market needs to unwind years of reckless borrowing…Industries that thrived on easy money will suffer huge losses. Stocks and assets that boomed on easy money will crash.When the financial system has its “reality check,” gold will be the big winner. Gold is a safe-haven asset. Investors turn to gold during times of uncertainty because gold is money. It’s preserved wealth for thousands of years through every kind of financial crisis and reckless government policy.Just last week, Casey Research founder Doug Casey said buying gold is “really a way to short government—or go long on government stupidity.”We suggest holding cash, too. As we mentioned, stocks, bonds, and commercial property prices are all near record highs. They will likely plunge during the next crisis. Setting aside cash will put you in a position to buy stocks when they get cheap.For our best advice on how to protect your wealth, we encourage you to read our newest book, titled Casey Research’s Guide to Surviving the Coming Financial Crisis. In it, we explain how to protect yourself from stock market crashes, economic recessions, and even destructive government policies. Click here to claim your copy.Chart of the DayLarge American car stocks have been dead money.Today’s chart shows the performance of General Motors (GM), Ford (F), and the S&P 500 since 2011. You can see that GM and Ford have done far worse than the S&P 500…despite six straight years of rising auto sales.Although cheap money has goosed auto sales, it has failed to boost auto stocks. You would have lost money investing in Ford and GM over the last five years.Regards,Justin SpittlerDelray Beach, FloridaMarch 21, 2016We want to hear from you.If you have a question or comment, please send it to email@example.com. We read every email that comes in, and we’ll publish comments, questions, and answers that we think other readers will find useful.
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A new batch of startup companies are trying to drive a revolutionin lab testing by letting you skip the doctor and test for food sensitivities, fertility, sleep hormones and even vitamin deficiencies — all from the privacy of your bathroom — no lab visit required.Do-it-yourself testing kits cost anywhere from about $35 for an individual test to $450 for a battery of tests.Last November on “Shark Tank,” the reality show featuring budding entrepreneurs who think they have a hot idea, contestant Julia Cheek hawked her company’s home-testing kits to the program’s panel of investors.”EverlyWell is transforming lab testing — a $25 billion market — to be simple, convenient and useful for you,” Cheek pitched.”I think the product is brilliantly crafted,” said show judge, Lori Greiner, who is also known as “The Queen of QVC.””I think this gives people an empowered way to check on some things.”Cheek walked away from the show with a million-dollar commitment for her Austin-based company.But that was TV, of course. Some doctors worry EveryWell is promising more than it can deliver.One Woman’s Success StoryThe company’s food-sensitivity test is its best seller, and the kit is especially hot in the San Francisco Bay Area. San Francisco resident Regina Du says the test has changed her life. For years Du missed work due to stomachaches, headaches and inflamed welts.”I just felt crummy,” says Du. “I would just like uncontrollably scratch myself because I was so itchy.”Doctors couldn’t figure out what was wrong. Eventually Du landed under the care of an allergist, who ordered a test. But Du balked when she learned her insurance wouldn’t cover the $700 cost.”I just had total sticker shock,” Du says.So, she poked around online and found EverlyWell’s food sensitivity kit for a couple hundred bucks.Instructions inside the neatly packed kit explain how to prick your finger and dribble drops of blood onto a white collection card. Du completed the test in less than 20 minutes during her lunch break. A few days later she got an email suggesting she avoid gluten, dairy and green beans.Almost immediately: Du started feeling better. Within a few weeks she felt normal for the first time in eight years.Does it Work?The test is supposed to measure whether a person’s immune system reacts to certain foods by making an antibody called Immunoglobulin G (IgG), which EverlyWell describes on its website as the potential cause of symptoms like migraines or irritable bowel syndrome, citing evidence found in some small studies.This kit has not been approved by the Food and Drug Administration. In fact, many types of at-home testing kits are not currently regulated by the FDA.The American Academy of Allergy, Asthma & Immunology (AAAAI) does not recognize the validity of IgG tests in diagnosing food sensitivity, also called food intolerance.”It is important to understand that this test has never been scientifically proven to be able to accomplish what it reports to do,” the academy states on its website. “The scientific studies that are provided to support the use of this test are often out of date, in non-reputable journals and many have not even used the IgG test in question. The presence of IgG is likely a normal response of the immune system to exposure to food.”Dr. Neha Shah, a rheumatologist and immunologist at Stanford University, is one doctor who is skeptical.”What we don’t have is proof that having a high IgG level against a particular food item means that that food is causing your symptoms,” says Shah.Shah shares the story of her sister, who bought a test and then was told to avoid swordfish.”We’ve been vegetarians all our whole lives,” says Shah. “And there was really no reason why she had a high sensitivity, a high IgG level against swordfish.”Shah also says IgG levels can elevate simply because you eat a specific food, so it doesn’t necessarily mean that your body is reacting negatively. For all these reasons, Shah does not administer food sensitivity tests in her practice. She suggests patients save the money and start with an elimination diet, where you remove commonly reactive foods like gluten or dairy and see if you feel better.Dr. Marra Francis, EverlyWell’s executive medical director, stands by its products as a valuable first step for patients to take their health into their own hands.”A lot of times this testing can be a bridge between vague symptoms and an actual plan that you create with your provider,” she says. EverlyWell does recommend patientsdouble-check test results with an elimination diet.Tina Heilman, a spokesperson for EverlyWell, wrote in an email:”EverlyWell recognizes that the AAAAI does not support any form of food sensitivity testing (which is not just limited to IgG testing), but they are not the entire ‘medical community,’ and AAAAI does not speak for all health care providers. IgG tests are currently ordered by thousands of medical providers in the U.S.”No OversightBesides its IgG test, the company markets 22 other home wellness tests, everything from cholesterol to testosterone. Other startups like LetsGetChecked, Thorne and Health Test Express offer a similar array.Some at-home tests may produce accurate results, such as certain STD tests. Even so some doctors worry about a booming market that’s not regulated by the FDA. They are concerned about how patients act on the information they get.”A lot of this kind of huxterist testing is keying off of the placebo effect,” says Dr. Norman Paradis, a clinical lab expert who teaches at the Geisel School of Medicine at Dartmouth College, referring to the industry in general and not to a particular product.In other words, just believing a test is valid and taking action on it may make you feel better.Paradis also worries that home tests could inspire patients to overreact to results. Hypothetically, a patient may discover she’s deficient in vitamin D and compensate by taking toxic doses, he says. Or a test result may inspire a patient to seek medical care they don’t need.”For instance, let’s say a test inaccurately said you may have colon cancer,” says Paradis. “And then you went and got a colonoscopy and were injured during the colonoscopy. Well, the test actually created that harm.”He notes, this is a problem even in cases where doctors order too many tests.Dr. Gilbert Welch, the author of Overdiagnosed: Making People Sick in Pursuit of Health, says, “You can’t test your way to health.”For unexplained symptoms he suggested starting with the long-ignored advice from your grandmother: Eat real food, set a regular sleep schedule, and get some exercise.Find Lesley McClurg on Twitter: @lesleywmcclurg. Copyright 2018 KQED. To see more, visit KQED.
Disabled peers have demanded that the government rips up its “frustrating”, “clichéd” and “tepid” response to a major House of Lords report on the Equality Act’s impact on disabled people.The Equality Act 2010 and disability committee reported in March on how equality legislation affects disabled people, following a nine-month inquiry.The committee concluded that the government was failing to protect disabled people from discrimination, and that laws designed to address disability discrimination were “not working in practice”, while spending cuts were having “a hugely adverse effect on disabled people”.An analysis by Disability News Service of the government’s response to the report, which was published in July, suggested that it accepted in full only about eight of the committee’s 55 recommendations.In a Lords debate on the report this week, disabled peers lined up to criticise the government’s response.Baroness [Jane] Campbell (pictured, left, during the debate), who sat on the committee, said that its report recommends “workable, low-cost, legislative and practical changes that would greatly enhance equality for disabled people in this country”.But she described “disabled people’s frustration at the failure of the government to embrace the recommendations more fully”, and called on it to “go back to the drawing board”.She criticised the government’s use of “the exhausted cliché that regulation will not change hearts and minds” when “all the evidence shows that without legislation we cannot win ‘hearts and minds’”.And she said that Sir Bert Massie, the former chair of the Disability Rights Commission, had told her that the government’s “tepid” response to the report “clearly demonstrates a deep lack of understanding and concern about Britain’s disabled people”.Baroness [Sal] Brinton (pictured, right), president of the Liberal Democrats, who also sat on the committee, said the government had showed in responding to the report’s recommendations that it “will not even regulate, let alone legislate”.She said: “I join colleagues on the select committee in hoping that the previous government’s report back to us will be discarded.“I have high hopes, because the evidence in the select committee report is so strong and will not go away.“I call for the new government [under Theresa May, rather than David Cameron] to prove that they truly believe in inclusion by going back and rewriting their response.”Her fellow disabled Liberal Democrat peer, Baroness [Celia] Thomas, whose idea it was to hold the inquiry, called on the government to “implement our recommendations without delay. There is no excuse for not doing so”.The disabled crossbench peer Lord [Colin] Low, who did not sit on the committee, praised the “excellent” report.He said that the government’s “drive to reduce regulation and red tape has resulted in rules and provisions that were helpful to disabled people being weakened or abolished”.He said: “The report makes an important point when it says that these things should properly be seen as protections for disabled people rather than burdens on business, and that their removal under the [government’s] Red Tape Challenge should be reversed.”Another disabled peer, the Liberal Democrat Lord Addington, said there was a need for “aggressive action” to enforce equality.He said: “We here have to start pointing out to the rest of society that it will benefit by taking this appropriate action.“If we make people with disabilities more economically active and more socially included, we will save ourselves hassle and trouble.”The Conservative Home Office minister, Baroness Williams, said the report was “timely and comprehensive and highlights the continuing challenges and obstacles which disabled people face on a daily basis”.She said it “rightly focused on a number of important issues, such as how adequately we imbed disabled people’s needs into the first steps to plan services and also when we construct premises”.She added: “The report also fairly examined whether both public and private sectors have been sufficiently proactive in meeting the needs of citizens with a disability and whether there is still a tendency simply to react to problems once they have arisen or to be forced into action when pressed.“We further acknowledge the importance of two-way communication between government and disabled people and their representatives, something that the report says we can improve on, in turn improving access to justice and how services are delivered.”
–shares Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals 3 min read Add to Queue Trump & Business The Big Changes Proposed in President Trump’s 2018 Budget Staff Writer. Covers leadership, media, technology and culture. Nina Zipkin Entrepreneur Staff The Trump administration introduced a budget proposal today that would significantly slash the budgets of several federal agencies while increasing spending on defense, security and veterans.The proposal would cut funding to the Environmental Protection Agency by 31 percent, the State Department by 29 percent and the Department of Labor by 21 percent. The Departments of Defense, Veterans Affairs and Homeland Security would see an increase in funding under the budget, with Defense getting a 10 percent bump.The budget proposal, released by the Office of Management and Budget and titled “America First: A Budget Blueprint to Make America Great Again,” will likely not be applied to the federal budget as is. It is up to the members of Congress to vote on and allocate the resources in the federal budget.Related: Here Is What Small Business Needs From the Trump AdministrationMick Mulvaney, the director of the Office of Management and Budget, told The Huffington Post: “We wrote it using the president’s own words. We went through his speeches. … We wanted to know what his policies were and we turned those policies into numbers.”Programs such as the National Endowment for the Arts and Corporation for Public Broadcasting would be eliminated entirely, as would federal-state partnerships that aim to stimulate job and economic growth across the country, such as the the Appalachian Regional Commission, the Delta Regional Authority and the Northern Border Regional Commission.Read on for changes that the proposal could bring to the SBA and Departments of Labor and Commerce.Related: How to Trump-Proof Your Small BusinessSmall Business AssociationThe budget proposal would allocate $826.5 million for SBA in 2018, which would be a $43.2 million — 5 percent — decrease from 2017.More than $1 billion would be set aside for “disaster relief lending” and $28 million would go toward “microloan financing.”The proposal would eliminate PRIME technical assistance grants, Regional Innovation Clusters and Growth Accelerators, as well as any program “where the private sector provides effective mechanisms to foster local business development and investment.”Department of Labor The budget would allocate $9.6 billion for the Department of Labor, down $2.5 billion from 2017.The document says that it would look to change Job Corps, a free program that offers education and job training for people ages 16 to 24 around the country “by closing centers that do a poor job educating and preparing students for jobs.”The training grant program from the Occupational Safety and Health Administration (OSHA) would also be eliminated.Department of Commerce The budget would allocate $7.8 billion for the Department of Commerce, a $1.5 billion, or 16 percent decrease, from 2017.It would eliminate the Minority Business Development Agency and the Economic Development Administration, the latter of which works to “establish a foundation for sustainable job growth and the building of durable regional economies throughout the United States.”The proposal would cease federal spending on the Manufacturing Extension Partnership (MEP) program, which describes itself as a “public-private partnership with Centers in all 50 states and Puerto Rico dedicated to serving small- and medium-sized manufacturers.” Image credit: Michael Reynolds-Pool | Getty Images Register Now » Congress must decide how to implement the administration’s fiscal vision for the country. Next Article March 16, 2017 Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right.
VyStar Credit Union Improves Member Experience, Reduces Fraud with Verint Identity Authentication Solution PRNewswireMay 23, 2019, 4:01 pmMay 23, 2019 Fraud detectionidentity authenticationMarketing TechnologyNewsVerint SystemsVyStar Credit Union Previous ArticleBigCommerce and Ordergroove Partner to Deliver Subscription Experiences for Enterprise Brands and RetailersNext ArticleLocal DTC Brands Top Glossier, Harry’s & Casper, Converting a Quarter of Consumers Verint Helps Financial Services Company Enhance Data Security, Protect Member Identity and Drive Operational EfficienciesVerint Systems Inc., The Customer Engagement Company, announced that VyStar Credit Union has expanded its partnership with Verint to enhance the security of member information in VyStar’s contact center. VyStar will be adding Verint Identity Authentication and Fraud Detection to reduce operational costs and protect member identity, while improving the overall experience of VyStar’s over 655,000 members.“We embrace a partner like Verint that understands our business and is focused on delivering quantifiable business outcomes across multiple member touch-points.”With today’s enhanced security on credit cards and online channels, fraudsters are targeting contact centers as a more vulnerable entry point into organizations to gather consumer information and potentially steal their identity and money. At VyStar, multiple layers of protection will be provided by Verint, starting with adaptive fraud analytics, to perform real-time threat analysis prior to the call reaching an agent.This includes analyzing both telephony and voice self-service behavioral data, where unique characteristics and patterns often give clues ahead of a fraudulent event. Once the call reaches a live agent, the voice is further analyzed through Verint’s embedded voice biometrics, and the customer can be authenticated seamlessly, or identified as a fraudster.Marketing Technology News: Elliot’s Mobile-First Commerce Platform Enables Direct-to-Consumer Distribution at Global Scale“A fraud situation is a highly emotionally-charged event, one that can either reinforce member trust or potentially destroy it,” said Melissa Thomas, Senior Vice President of Operations and Payments, VyStar Credit Union. “Automating our fraud detection with Verint will help our fraud department achieve incredible time savings over previous manual methods. These new Verint solutions in our contact center can take pressure off the employees by providing proactive fraud indicators in real-time to prevent fraud activity before it begins, while ensuring an excellent member experience.”As an integrated part of its comprehensive Customer Engagement portfolio, Verint’s Identity Authentication and Fraud Detection offering will help VyStar reduce fraud losses, the amount of time spent authenticating members, and operational costs to detect fraudulent behavior.“VyStar is excited about the breadth of solutions and depth of expertise Verint brings to the table,” added Chad Meadows, Chief Operating Officer, VyStar Credit Union. “We embrace a partner like Verint that understands our business and is focused on delivering quantifiable business outcomes across multiple member touch-points.”Marketing Technology News: Amazon Dominates E-Commerce Share, Ebay and Walmart Less of a Focus, Feedvisor Study FindsVerint’s John Goodson, senior vice president and general manager, products, adds, “With Verint Branch Security and Investigation offerings having combated fraud in VyStar’s branch locations since 2015, we are thrilled that VyStar has elevated its partnership with Verint to fight fraud in the contact center.”Alongside VyStar’s most recent purchase of Identity Authentication and Fraud Detection, the company has also invested in Verint’s Enterprise Feedback Management, Desktop and Process Analytics, Speech Analytics and Automated Quality Management solutions to address today’s digital transformation in workforce engagement, intelligent self-service, voice of the customer, fraud and compliance.Marketing Technology News: Vyond Announces End of Beta for Vyond Studio, Enhanced Security Features
Diagnosis of maternal OUD and NAS are steadily increasing among rural residents, and opioid-affected births are occurring in all hospital settings: rural and urban, teaching and non-teaching. The highest rates of maternal opioid use disorder diagnoses occurred among rural patients giving birth in urban teaching hospitals. Rural women with opioid use disorder and other clinical complications were more likely to give birth in urban teaching hospitals, compared with rural hospitals, likely indicating appropriate referral patterns for higher risk patients. Nearly half (48.3 percent) of rural moms with both opioid use disorder and a preterm delivery gave birth in rural hospitals, highlighting the importance of readiness to care for complex patient needs in all hospital settings. Reviewed by James Ives, M.Psych. (Editor)Oct 30 2018The opioid epidemic has had devastating effects on families in rural communities, places where both maternity care and substance use treatment are limited.Pregnant women with opioid addiction may have particular challenges in receiving the care they need when they live in rural areas. Both maternal opioid use disorder (OUD) and neonatal abstinence syndrome (NAS), also known as infant withdrawal, are increasing faster in rural areas than in urban areas. Rural women with opioid-affected births may give birth locally in rural hospitals or may be referred to higher acuity facilities in urban areas, which may be better equipped to handle complex treatment needs.Katy Kozhimannil, associate professor in the University of Minnesota School of Public Health and director of the University of Minnesota Rural Health Research Center, and her colleagues studied where rural moms with opioid use disorder gave birth and examined the characteristics of opioid-affected births to rural moms, based on whether they occurred in rural hospitals, urban non-teaching hospitals or urban teaching hospitals. Her research was recently published in the Journal of Rural Health.The study examined maternal and infant records for childbirths to rural residents that occurred from 2007-2014. The analysis included 942,798 rural mothers and 981,090 rural infants.”Some of these rural moms, especially those with clinical complications, give birth in urban, teaching hospitals, often far from home,” said Kozhimannil. “Yet, our study findings show that more than 60 percent of rural moms with opioid use disorder give birth locally. These rural hospitals may have more limited capacity to care for them and their babies.”Related StoriesAMSBIO offers new, best-in-class CAR-T cell range for research and immunotherapyResearch sheds light on sun-induced DNA damage and repairStudy: Two-thirds of pneumonia patients receive more antibiotics than they probably needAdditional key findings include: “Recent policy and clinical efforts to address opioid-affected births have frequently focused on specialized capacity building within tertiary care settings, often urban teaching hospitals,” said Kozhimannil. “Yet, these results show that resources are also needed in rural hospitals that are caring for more and more opioid-affected moms and babies each year.”The characteristics of rural mothers with opioid-affected births are different for those who give birth in rural hospitals and those who give birth in urban hospitals. This finding highlights the distinct clinical and programmatic needs required in each hospital setting to successfully care for rural mothers with opioid use disorder and for rural infants with neonatal abstinence syndrome, no matter where they are born. Source:https://twin-cities.umn.edu/news-events/research-brief-opioid-affected-births-rural-residents-are-increasing-both-rural-and
In our study, we identified that certain recurrent mutations found in DNA stem loops, a common DNA structure, were in fact passenger hotspots and not the drivers we had originally believed them to be. More importantly, we discovered other recurrent mutations, found in DNA locations outside of stem loops, may be new drivers that are not yet characterized. The importance of our finding is that it gives us the ability to discriminate among mutations, which is essential in order to develop novel cancer therapies.”Rémi Buisson, PhD, an assistant professor in the Department of Biological Chemistry at the UCI School of Medicine and lead researcher on the study Related StoriesStudy: Nearly a quarter of low-risk thyroid cancer patients receive more treatment than necessaryNew study to ease plight of patients with advanced cancerNew protein target for deadly ovarian cancerResearch teams from UCI School of Medicine and Massachusetts General Hospital examined the mutation landscape and the distribution of mutations in the cancer genomes of more than 9,000 patient tumors. They identified that certain hotspot mutations arise from the activity of a family of proteins called APOBEC (apolipoprotein B mRNA editing catalytic polypeptide-like).”Our analyses show that APOBEC3A, in particular, has a strong preference for DNA structures called stem-loops or DNA hairpins. This preference results in the creation of hotspot mutations in patient tumors,” said Buisson.Tens of thousands of DNA damage events occur daily in human cells. The APOBEC family of proteins are one of the most common sources of endogenous DNA damage events in cancer cells. APOBEC3A directly attacks genomic DNA, inducing DNA double-strand breaks and mutations. Until now, little was known about how APOBEC3A targets genomic DNA and if some structures of the genome are more prone to APOBEC3A attacks than others. DNA stem-loop structures can be transiently generated during DNA replication, transcription or through diverse DNA repair processes. These multiple pathways provide many opportunities for APOBEC3A to promote structure-specific cytosine deamination favoring the emergence of passenger hotspot mutations in patient tumors. Source:University of California, Irvine Reviewed by Kate Anderton, B.Sc. (Editor)Jun 29 2019Until now, researchers believed recurrent mutations (hotspot mutations) in cancer tumors were the important mutations (driver mutations) that promoted cancer progression. A new University of California, Irvine-led study indicates this is not always true.Methods for identifying driver genes important to cancer progression have relied on the gold standard of recurrence across patients. Seeing exactly the same DNA base pair mutated repeatedly across many patients has been taken as incontrovertible proof that the mutation must be contributing to tumor development. However, the study, “Passenger hotspot mutations in cancer driven by APOBEC3A and mesoscale genomic features,” published today in Science, reveals many recurrent cancer mutations are likely passenger hotspot mutations and not important for cancer development.
Related StoriesLab-grown blood vessels provide hope for dialysis patientsSafe sex an elusive target; STIs continue to rise in England’Google Maps’ for cancer: Image-based model accurately represents blood traffic inside tumorsMenstruation and period poverty can affect girls’ schooling and women’s experience of work. They can increase disposition to urogenital infections if they use low-quality products and can even make women and girls a target for sexual violence or coercion when they don’t have the funds to buy products.The review was made up of data from medical studies and grey literature, including reports, conference abstracts and theses which were more qualitative in nature. The studies took place in low- and middle-income countries as well as high-income countries and looked at cost, availability, acceptance and waste savings, while also looking at the education materials that were available referring menstrual cups as an option. However, the authors noted that much of the data was of low quality and call for further, quality research to be carried out.First author on the paper is LSTM’s Dr Annemieke van Eijk, she said: Despite the fact that 1.9 billion women globally are of menstruating age – spending on average 65 days a year dealing with menstrual blood flow, few good quality studies exist that compare sanitary products. We aimed to address this by summarizing current knowledge about leakage, safety, and acceptability of menstrual cups, comparing them to other products where possible.” Reviewed by James Ives, M.Psych. (Editor)Jul 17 2019Researchers at LSTM have carried out the first scientific review about menstrual cups and found them to be safe and potentially as effective as other products, while also being beneficial in terms of cost and waste savings.The meta-analysis, the results of which are published in the journal Lancet Public Health(link is external), was led by Professor Penelope Phillips-Howard and included the data from 43 studies and 3,300 women and girls. Results suggest that menstrual cups are safe and result in similar or lower leakage than disposable pads or tampons.Professor Phillips-Howard explained: With a general increase on initiatives aimed at tackling period poverty, in both low- and high-income settings, it is really important that menstrual cups be considered as a potential option for women and girls everywhere. Cups can last up to 10 years and the data suggests that this means that period associated costs could be significantly reduced as well as being beneficial in terms of waste saving.” Menstrual cups collect blood flow rather than absorbing it like other products and are inserted directly into the vagina. In 13 of the studies 70% of women wanted to continue using them when they became familiar with how to do so leading the authors to suggest that information and follow up on the correct use might need to form a part of menstrual health programs. Source:Liverpool School of Tropical Medicine
On July 20, 1969, an estimated 650 million people watched in suspense as Neil Armstrong descended a ladder towards the surface of the Moon. As he took his first steps, he uttered words that would be written into history books for generations to come: “That’s one small step for man. One giant leap for mankind.” Or at least that’s how the media reported his words.Headbutting Tiny Worms Are Really, Really LoudThis rapid strike produces a loud ‘pop’ comparable to those made by snapping shrimps, one of the most intense biological sounds measured at sea.Your Recommended PlaylistVolume 0%Press shift question mark to access a list of keyboard shortcutsKeyboard Shortcutsplay/pauseincrease volumedecrease volumeseek forwardsseek backwardstoggle captionstoggle fullscreenmute/unmuteseek to %SPACE↑↓→←cfm0-9接下来播放Why Is It ‘Snowing’ Salt in the Dead Sea?01:53 facebook twitter 发邮件 reddit 链接https://www.livescience.com/65950-neil-armstrong-first-words-on-moon.html?jwsource=cl已复制直播00:0000:3500:35 But Armstrong insisted that he actually said, “That’s one small step for a man.” In fact, in the official transcript of the Moon landing mission, NASA transcribes the quote as “that’s one small step for (a) man.” As a linguist, I’m fascinated by mistakes between what people say and what people hear. In fact, I recently conducted a study on ambiguous speech, using Armstrong’s famous quote to try to figure out why and how we successfully understand speech most of the time, but also make the occasional mistake. Our extraordinary speech-processing abilities Despite confusion over Armstrong’s words, speakers and listeners have a remarkable ability to agree on what is said and what is heard. When we talk, we formulate a thought, retrieve words from memory and move our mouths to produce sound. We do this quickly, producing, in English, around five syllables every second. The process for listeners is equally complex and speedy. We hear sounds, which we separate into speech and non-speech information, combine the speech sounds into words, and determine the meanings of these words. Again, this happens nearly instantaneously, and errors rarely occur. These processes are even more extraordinary when you think more closely about the properties of speech. Unlike writing, speech doesn’t have spaces between words. When people speak, there are typically very few pauses within a sentence. Yet listeners have little trouble determining word boundaries in real time. This is because there are little cues — like pitch and rhythm — that indicate when one word stops and the next begins. But problems in speech perception can arise when those kinds of cues are missing, especially when pitch and rhythm are used for non-linguistic purposes, like in music. This is one reason why misheard song lyrics — called “mondegreens” — are common. When singing or rapping, a lot of the speech cues we usually use are shifted to accommodate the song’s beat, which can end up jamming our default perception process. But it’s not just lyrics that are misheard. This can happen in everyday speech, and some have wondered if this is what happened in the case of Neil Armstrong. Studying Armstrong’s mixed signals Over the years, researchers have tried to comb the audio files of Armstrong’s famous words, with mixed results. Some have suggested that Armstrong definitely produced the infamous “a,” while others maintain that it’s unlikely or too difficult to tell. But the original sound file was recorded 50 years ago, and the quality is pretty poor. So can we ever really know whether Neil Armstrong uttered that little “a”? Perhaps not. But in a recent study, my colleagues and I tried to get to the bottom of this. First, we explored how similar the speech signals are when a speaker intends to say “for” or “for a.” That is, could a production of “for” be consistent with the sound waves, or acoustics, of “for a,” and vice-versa? So we examined nearly 200 productions of “for” and 200 productions of “for a.” We found that the acoustics of the productions of each of these tokens were nearly identical. In other words, the sound waves produced by “He bought it for a school” and “He bought one for school” are strikingly similar. But this doesn’t tell us what Armstrong actually said on that July day in 1969. So we wanted to see if listeners sometimes miss little words like “a” in contexts like Armstrong’s phrase. We wondered whether “a” was always perceived by listeners, even when it was clearly produced. And we found that, in several studies, listeners often misheard short words, like “a.” This is especially true when the speaking rate was as slow as Armstrong’s. In addition, we were able to manipulate whether or not people heard these short words just by altering the rate of speech. So perhaps this was a perfect storm of conditions for listeners to misperceive the intended meaning of this famous quote. The case of the missing “a” is one example of the challenges in producing and understanding speech. Nonetheless, we typically perceive and produce speech quickly, easily and without conscious effort. A better understanding of this process can be especially useful when trying to help people with speech or hearing impairments. And it allows researchers to better understand how these skills are learned by adults trying to acquire a new language, which can, in turn, help language learners develop more efficient strategies. Fifty years ago, humanity was changed when Neil Armstrong took those first steps on the Moon. But he probably didn’t realize that his famous first words could also help us better understand how humans communicate. [Sign up for The Conversation’s newsletter to get insight each day] Melissa Michaud Baese-Berk, Associate Professor of Linguistics, University of Oregon This article is republished from The Conversation under a Creative Commons license. 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