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"He must hold firm to the sure word as taught, so that he may be able to give instruction in sound doctrine and also to confute those who contradict it."
--Titus 1:9, Revised Standard Version
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One study by Mr. Kleiner and Rubert T. Kudrle of the University of Minnesota suggests that tighter licensing of dentists does not improve the quality of dental health. It does reduce the number of dentists. Crucially, it improves their earnings.
The issue goes beyond teeth. Associations for osteopaths have come out in support of North Carolina’s dental board; so have anesthesiologists, midwives, optometrists and even engineers and surveyors.
Supporting the dental board are the International Conference of Funeral Service Examining Boards, the National Association of State Boards of Accountancy, the Federation of State Massage Therapy Boards and the American Association of Veterinary State Boards.
For them, as for the taxi drivers battling Uber, the most important issue is whether they can maintain a lock on their professions and legally keep competition at bay. But is that a legitimate reason for the public to bear the cost of such cartels?
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Filed under: * Culture-Watch Law & Legal Issues * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Politics in General City Government State Government * Theology Ethics / Moral Theology
The petroleum industry celebrated the proposal, while complaining that it didn’t go far enough. Environmental groups warned of disaster.
“This represents a significant shift in federal policy and, in my view, a threat to the environment, the economy and the lifestyle of living in the Lowcountry of South Carolina,” said Chris DeScherer, a Charleston-based senior attorney for the Southern Environmental Law Center. “It’s not just the coastal waters, wetlands, and wildlife that depend on them, but the businesses and the tourism industry.”
Erik Milito, director of Upstream and Industry Operations for the American Petroleum Institute, said offshore oil and gas exploration and drilling is much safer today than just five years ago.
“We are now in a new age,” Milito said in a conference call with reporters. “We’ve decreased the risk dramatically.”
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Filed under: * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life The U.S. Government Energy, Natural Resources Politics in General * South Carolina * Theology Ethics / Moral Theology
Cars are running out of screens. The dashboard is a jumble of numbers, icons, indicator lights, and gauges. In some vehicles, the display built into the center console is bigger than our televisions in certain rooms at home. But drivers' and passengers' appetite for more information isn't subsiding, so the dashboard and entertainment console are about to get a companion: the windshield.
At the Detroit auto show, which runs until Jan. 25, you'll find demonstrations of cars with built-in projectors displaying speed, range, turn-by-turn directions, and other crucial data along the bottom of the windshield. Head-up displays—developed to keep fighter pilots' eyes on the sky rather than on the instruments in the cockpit—have existed in some form for cars since at least the 1980s, but they've mostly functioned as a novelty for high-end clientele. In the past year, however, HUD technology has made its way into some Mazdas and Priuses as a way to manage information overload for everyday drivers.
Automakers have been adding a flood of information designed to keep drivers safe—some requested by customers, others mandated by governments—but it risks having the opposite effect. As weird as it sounds, projecting text and graphics onto the windshield may be less distracting to drivers than forcing them to look down at cluttered in-car screens—or worse, their mobile phones. A HUD, which sits within the driver's line of sight, would be free of "check engine" and "change oil" lights, and only display the alerts a driver might need at any given moment. Hyundai, Toyota, and General Motors expect the HUD to go mainstream very soon.
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Filed under: * Culture-Watch Science & Technology Travel * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * Theology Anthropology Ethics / Moral Theology
Legal marijuana is the fastest-growing industry in the United States and if the trend toward legalization spreads to all 50 states, marijuana could become larger than the organic food industry, according to a new report obtained by The Huffington Post.
Researchers from The ArcView Group, a cannabis industry investment and research firm based in Oakland, California, found that the U.S. market for legal cannabis grew 74 percent in 2014 to $2.7 billion, up from $1.5 billion in 2013.
The group surveyed hundreds of medical and recreational marijuana retailers in states where sales are legal, as well as ancillary business operators and independent cultivators of the plant, over the course of seven months during 2013 and 2014. ArcView also compiled data from state agencies, nonprofit organizations and private companies in the marijuana industry for a more complete look at the marketplace.
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Filed under: * Culture-Watch Drugs/Drug Addiction * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * International News & Commentary America/U.S.A. * Theology Ethics / Moral Theology
‘Fixing our ... roads ... tremendously important’
“Education reform and infrastructure repairs are two of the most challenging economic issues we face. ... Fixing our crumbling roads system is also tremendously important as it directly impacts economic development, which leads to job creation and higher wages.”
— House Speaker Jay Lucas, R-Darlington
‘Drop in the bucket’ “It’s just a drop in the bucket to solving the problem. ... There’s many ways to do it, but this is just not going to deal with the real magnitude of the problem that we have.”
— Senate Minority Leader Nikki Setzler, D-Lexington
Read it all.
Leonardo Maugeri, an associate professor at Harvard University’s Belfer Center for Science and International Affairs and who predicted the current collapse in prices back in 2012, estimates world oil production capacity is about 101 million barrels a day. That’s nearly 10% more than expected demand next year.
Mr. Maugeri says U.S. shale and tight oil production is more resilient than many expected because of lower break-even costs and higher productivity levels. Service fees are also falling at the same time, as hedging still offers a cushion to shale producers until mid-2015, he said.
That resilience may force Saudi Arabia to keep up its price war well into the year before the strategy wrings out some of the oversupply.
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Filed under: * Culture-Watch Globalization * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Energy, Natural Resources * Theology Ethics / Moral Theology
The Environment Agency’s pension fund has urged BP and Royal Dutch Shell to invest in renewable energy and do more to tackle climate change.
The government-backed agency’s £2.5bn fund has teamed up with more than 150 other investors, including the Church of England and several large local authority pension funds. They have filed shareholder resolutions urging both oil companies to take more action on global warming.
“It was an easy decision,” said John Varley, chairman of the Environment Agency pensions committee. “We believe that it is vital to manage climate risk within investments and that all shareholders have access to clear information to assess how these companies are managing risk and protecting shareholder value.”
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Filed under: * Anglican - Episcopal Anglican Provinces Church of England (CoE) * Culture-Watch Religion & Culture * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Stock Market Energy, Natural Resources Politics in General * Theology Ethics / Moral Theology
Four in 10 U.S. college students graduate without the complex reasoning skills to manage white-collar work, according to the results of a test of nearly 32,000 students.
The test, which was administered at 169 colleges and universities in 2013 and 2014 and released Thursday, reveals broad variation in the intellectual development of the nation’s students depending on the type and even location of the school they attend.
On average, students make strides in their ability to reason, but because so many start at such a deficit, many still graduate without the ability to read a scatterplot, construct a cohesive argument or identify a logical fallacy.
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Filed under: * Culture-Watch Education Philosophy Science & Technology Young Adults * Economics, Politics Economy Corporations/Corporate Life Labor/Labor Unions/Labor Market * International News & Commentary America/U.S.A. * Theology Anthropology Ethics / Moral Theology
As 2015 begins, the global economy remains weak. The United States may be seeing signs of a strengthening recovery, but the eurozone risks following Japan into recession, and emerging markets worry that their export-led growth strategies have left them vulnerable to stagnation abroad. With few signs that this year will bring any improvement, policymakers would be wise to understand the factors underlying the global economy’s anemic performance – and the implications of continued feebleness.
In the words of Christine Lagarde, the International Monetary Fund’s managing director, we are experiencing the “new mediocre.” The implication is that growth is unacceptably low relative to potential and that more can be done to lift it, especially given that some major economies are flirting with deflation.
Conventional policy advice urges innovative monetary interventions bearing an ever expanding array of acronyms, even as governments are admonished to spend on “obvious” needs such as infrastructure. The need for structural reforms is acknowledged, but they are typically deemed painful, and possibly growth-reducing in the short run. So the focus remains on monetary and fiscal stimulus – and as much of it as possible, given the deadening effects of debt overhang.
And yet, the efficacy of such policy advice remains to be seen.
Read it all.
Filed under: * Culture-Watch Globalization * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Credit Markets Currency Markets European Central Bank Personal Finance The Banking System/Sector The Credit Freeze Crisis of Fall 2008/The Recession of 2007-- The U.S. Government Federal Reserve Foreign Relations Politics in General * International News & Commentary Asia India Europe * Theology Ethics / Moral Theology
The San Francisco online ride-sharing company that is causing a storm among S.C. taxi companies and regulators is finding bipartisan legislative support of its efforts to keep operating legally in the Palmetto State.
The state Public Service Commission ordered Uber to stop picking up riders Thursday while regulators weigh the company’s request for a state taxi license.
But Uber drivers were defying the order with cars available Friday in the four S.C. cities where the company operates – Columbia, Charleston, Greenville and Myrtle Beach.
“We will challenge the order and remain committed to providing South Carolinians with greater opportunity and choice,” Uber spokesman Taylor Bennett said.
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Filed under: * Culture-Watch Law & Legal Issues Travel * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Politics in General State Government * South Carolina * Theology Ethics / Moral Theology
Cheaper oil prices and a resurgent US economy are unlikely to be enough to pull the global economy out of a growth pattern that is “too low, too brittle and too lopsided”, Christine Lagarde, managing director of the International Monetary Fund, said on Thursday.
Despite what ought to be the benefits for many economies from sharp falls in oil prices, which has more than halved since the summer, and the strengthening US recovery, the world still faces “a very strong headwind”, seven years on from the financial crisis.
Speaking in Washington, Ms Lagarde said: “The oil price and US growth are not a cure for deep-seated weaknesses elsewhere.
“Too many countries are still weighed down by the legacies of the financial crisis, including high debt and high unemployment. Too many companies and households keep cutting back on investment and consumption today because they are concerned about low growth in the future.”
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Filed under: * Culture-Watch Globalization * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life The Banking System/Sector Foreign Relations Politics in General * Theology Ethics / Moral Theology
The Swiss National Bank's shock move today to stop intervening in the foreign exchange market all but guarantees the European Central Bank will finally introduce quantitative easing when it meets Jan. 22. Switzerland is surrendering before a wave of post-QE money fleeing the euro threatens to make a mockery of its currency policy. It's also capitulating as slumping oil brings global deflation ever closer.
t's an astonishing U-turn. Just two days ago SNB Vice President Jean-Pierre Danthine told Swiss broadcaster RTS that “we’re convinced that the cap on the franc must remain the pillar of our monetary policy.” He added, though, that it was "very possible" that QE would make defending the threshold more difficult. It seems highly probable that the ECB has winked about its policy intentions to its Swiss counterparts.
The ensuing whipsaw in the currency market is unprecedented. The franc immediately appreciated almost 30 percent against the currencies of the Group of Ten industrialized nations, and surged to a record against the euro...:
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Filed under: * Culture-Watch Globalization * Economics, Politics Economy Corporations/Corporate Life Credit Markets Currency Markets Euro European Central Bank Stock Market The Banking System/Sector * International News & Commentary Europe Switzerland * Theology Ethics / Moral Theology
A standing joke in Silicon Valley is that the smartest people go into online advertising, virtual currency, or dumb online games. And you surely have to wonder what has gone wrong when the industry’s heavy hitters and venture capitalists provide $1.5 million to seed a useless app such as Yo.
Fortunately, there are many tech start-ups that are solving real problems — and many entrepreneurs who care. The venture capital community is also beginning to see the light. Witness the recent decision of Google Ventures to back away from consumer Internet start-ups and focus more on health care and life-sciences companies, and Y Combinator, the most powerful start-up accelerator in the world, backing seven nonprofits in its latest class.
There is surely hope for tech. Here are seven companies that stand out....
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Filed under: * Culture-Watch Globalization Science & Technology * Economics, Politics Economy Corporations/Corporate Life Stock Market The Banking System/Sector * International News & Commentary America/U.S.A. * Theology Anthropology Ethics / Moral Theology
A study of more than 86,000 users of Facebook has demonstrated the power of intelligent machines to predict an individual’s character based on what they have listed as their “likes”.
Researchers said the day when computers are able to judge a person’s personality accurately has almost arrived, and even suggested that science fiction films like Her, based on a man’s attachment to an intelligent computer, are closer than we think.
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Filed under: * Culture-Watch Blogging & the Internet --Social Networking Globalization Law & Legal Issues * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * Theology Anthropology Ethics / Moral Theology
PROFESSOR JAMES GRIMMELMAN: When you start experimenting on people, you start manipulating their environment to see how they react, you’re turning them into your lab rats.
CHRISTIAN RUDDER: The outrage that greeted that particular experiment far outstripped its practical implications.
DANAH BOYD: Why the controversy blew up at the time and in the way that it did is that we’re not sure we trust Facebook.
LUCKY SEVERSON, correspondent: There were tremors of ethical outrage when a major scientific journal revealed that the social media site Facebook had conducted experiments, altering what customers see on their own pages. The outrage was voiced across all forms of media, both traditional ones and digital outlets like YouTube.
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Filed under: * Culture-Watch Blogging & the Internet --Social Networking Psychology Science & Technology * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * Theology Ethics / Moral Theology
Filed under: * Economics, Politics Economy Corporations/Corporate Life Labor/Labor Unions/Labor Market * International News & Commentary America/U.S.A. * Theology Anthropology Ethics / Moral Theology
Navigating the Internet used to mean painstakingly typing the exact address you wanted into your computer. The web browser and the search engine simplified that, giving us the Internet we take for granted today.
Now, across Silicon Valley, companies from tiny start-ups to titans like Google and Facebook are trying to bring the same simplicity to smartphones by teaching apps to talk to one another.
Unlike web pages, mobile apps do not have links. They do not have web addresses. They live in worlds by themselves, largely cut off from one another and the broader Internet. And so it is much harder to share the information found on them.
It is not just a matter of consumer convenience. For Google and Facebook, and any company that has built its business on the web, it is a matter of controlling the next entryway to the Internet — the mobile device.
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Filed under: * Culture-Watch Blogging & the Internet --Social Networking Globalization Psychology Science & Technology * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * Theology Anthropology Ethics / Moral Theology
We now are in the sixth year of economic recovery since the end of the “Great Recession” in mid-2009, says the National Bureau of Economic Research, a group of academic economists that dates business cycles. But, if upbeat economic forecasts come true, this could be the first year that feels like a recovery. There would be huge implications. It would soothe Americans’ bruised sense of self-worth and alter popular psychology for the 2016 elections.
It has been a slog. Below, you’ll find some economic indicators comparing where we are now with the peaks of the last economic expansion, which ended in the fourth quarter of 2007. Generally, the numbers aren’t impressive. At best, they show modest gains from those previous peaks.
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Filed under: * Culture-Watch Globalization * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Housing/Real Estate Market Labor/Labor Unions/Labor Market Personal Finance * Theology Anthropology Ethics / Moral Theology
The world’s churches have become an arena for the debate over whether it is better to tackle global warming by divesting from fossil fuel companies or by holding shares and engaging with energy groups to spur more climate-friendly business models.
The World Council of Churches, which represents around 560m Christians in 140 countries, has adopted a divestment strategy for its SFr16.7m investment portfolio. Its finance policy committee decided in July that fossil fuels should be added to the list of sectors in which the council would not invest.
“The use of fossil fuels must be significantly reduced and by not investing in those companies we want to show a direction we need to follow as a human family to address climate changes properly,” said Rev Dr Olav Fykse Tveit, WCC general secretary.
But the Church of England, which has an investment portfolio worth around £9bn, has opted for engagement. It announced last month it would use its stakes in Royal Dutch Shell and BP to urge the companies to cut their carbon emissions and invest more in renewables.
Read it all.
Filed under: * Anglican - Episcopal Anglican Provinces Church of England (CoE) * Culture-Watch Globalization Religion & Culture * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Energy, Natural Resources * Religion News & Commentary Other Churches * Theology Ethics / Moral Theology
In the early 20th century Henry Ford combined moving assembly lines with mass labour to make building cars much cheaper and quicker—thus turning the automobile from a rich man’s toy into transport for the masses. Today a growing group of entrepreneurs is striving to do the same to services, bringing together computer power with freelance workers to supply luxuries that were once reserved for the wealthy. Uber provides chauffeurs. Handy supplies cleaners. SpoonRocket delivers restaurant meals to your door. Instacart keeps your fridge stocked. In San Francisco a young computer programmer can already live like a princess.
Yet this on-demand economy goes much wider than the occasional luxury. Click on Medicast’s app, and a doctor will be knocking on your door within two hours. Want a lawyer or a consultant? Axiom will supply the former, Eden McCallum the latter. Other companies offer prizes to freelances to solve R&D problems or to come up with advertising ideas. And a growing number of agencies are delivering freelances of all sorts, such as Freelancer.com and Elance-oDesk, which links up 9.3m workers for hire with 3.7m companies.
The on-demand economy is small, but it is growing quickly....
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Filed under: * Culture-Watch Globalization History Science & Technology * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Labor/Labor Unions/Labor Market Politics in General * Theology Anthropology Ethics / Moral Theology
Physician Praveen Arla is witnessing a reversal of health care fortunes: Poor, long-uninsured patients are getting Medicaid through Obamacare and finally coming to his office for care. But middle-class workers are increasingly staying away.
"It's flip-flopped," says Arla, who helps his father run a family practice in Hillview, Ky. Patients with job-based plans, he says, will say: " 'My deductible is so high. I'm trying to come to the doctor as little as possible. … What is the minimum I can get done?' They're really worried about cost."
It's a deep and common concern across the USA, where employer plans cover 60% of working-age Americans, or about 150 million people. Coverage long considered the gold standard of health insurance now often requires workers to pay so much out-of-pocket that many feel they must skip doctor visits, put off medical procedures, avoid filling prescriptions and ration pills — much as the uninsured have done.
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Filed under: * Culture-Watch Health & Medicine --The 2009 American Health Care Reform Debate * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Labor/Labor Unions/Labor Market Personal Finance Politics in General * Theology Ethics / Moral Theology
In the past, this season was marked by a greater interest in divinity, the family hearth and the joy of children. Increasingly our society has been turning away from such simple human pleasures, replacing them with those of technology.
Despite the annual holiday pageantry, in the West religion is on the decline, along with our society’s emphasis on human relationships. Atheism seems to be getting stronger, estimated at around 13 percent worldwide but much higher in such countries as Japan, Germany and China. “The world is going secular,” claims author Nigel Barber. “Nothing short of an ice age can stop it.”
In contrast, the religion of technology is gaining adherents. In a poll in the U.K., about as many said they believe Google to have their best interests at heart as God. Religious disbelief has been rising particularly among U.S. millennials, a group that, according to Pew, largely eschews traditional religion and embraces technology as a primary value. Some 26 percent profess no religious affiliation, twice the level of their boomer parents; they are twice as irreligious at their age as any previous generation.
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Filed under: * Culture-Watch History Religion & Culture Science & Technology * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * Religion News & Commentary Other Faiths Secularism * Theology
The economic recovery is real, and even though it's not spectacular, it's getting there.
The good news is that the economy grew at a 5 percent annual pace in the third quarter this year, revised up from the 3.9 percent that the Commerce Department had previously estimated. It's the best quarterly growth since 2003, and, on the heels of the 4.6 percent growth in the second quarter, it's also the best six months the economy has had in that long. The even better news, though, is that this growth, unlike every other uptick the past few years, looks sustainable.
This isn't a blip. It's a boom.
Well, at least by the sad standards of this slow and steady recovery. The truth is that for all the hype and headlines about every little head fake, the economy has just been chugging along at the same 2 percent pace the past few years.
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Filed under: * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Housing/Real Estate Market Labor/Labor Unions/Labor Market The Credit Freeze Crisis of Fall 2008/The Recession of 2007-- The U.S. Government Federal Reserve * International News & Commentary America/U.S.A. * Theology Anthropology Ethics / Moral Theology
The relationships between medical doctors and the pharmaceutical industry are subject to strict rules that require the public disclosure of payments for meals, trips, consulting, speaking and research.
No laws or regulations – including the new FDA directives –
require veterinarians to reveal financial connections to drug companies. That means veterinarians can be wined and dined and given scholarships, awards, stipends, gifts and trips by pharmaceutical benefactors without the knowledge of the FDA or the public.
Of the 90,000 veterinarians who practice in the United States, about 11,000 – or one of every eight – work in food animal production, according to a 2013 workforce study. Livestock and poultry specialists advise growers on health issues from insemination to birth to weaning to fattening to euthanasia. They also treat a variety of illnesses and injuries. Many train farmhands how to spot disease and administer drugs.
In some ways, the role of the veterinarian is more complicated than that of the medical doctor. For a veterinarian, the patient is the animal but the client is the owner.
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Filed under: * Culture-Watch Dieting/Food/Nutrition Health & Medicine Law & Legal Issues * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life * General Interest Animals * Theology Ethics / Moral Theology
(Alert readers are asked to note that the title above is the one used in the paper's National edition in print this past week--KSH.
A machine that administers sedatives recently began treating patients at a Seattle hospital. At a Silicon Valley hotel, a bellhop robot delivers items to people’s rooms. Last spring, a software algorithm wrote a breaking news article about an earthquake that The Los Angeles Times published.
Although fears that technology will displace jobs are at least as old as the Luddites, there are signs that this time may really be different. The technological breakthroughs of recent years — allowing machines to mimic the human mind — are enabling machines to do knowledge jobs and service jobs, in addition to factory and clerical work.
And over the same 15-year period that digital technology has inserted itself into nearly every aspect of life, the job market has fallen into a long malaise. Even with the economy’s recent improvement, the share of working-age adults who are working is substantially lower than a decade ago — and lower than any point in the 1990s.
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Filed under: * Culture-Watch Globalization History Science & Technology * Economics, Politics Economy Corporations/Corporate Life Labor/Labor Unions/Labor Market * Theology Anthropology Ethics / Moral Theology
What a strange week it’s been in Hollywood. Tuesday night we actually had a thunderstorm. For those who don’t know Southern California, that’s like saying House Republicans think our country might have a race problem. Or Woody Allen is considering property in Malibu. Or the new Missal really seems to be catching on. (“Under our roof,” translators? “Under our roof”?)
There was even lightning, for God’s sake.
Then yesterday, hack-beleaguered Sony Pictures actually stopped distribution of major motion picture “The Interview,” maybe forever, after the United States’ five major theater chains refused to show it for fear of a 9/11-style attack on any theater that did.
To say the Internet was not happy with this series of events would be an understatement. Hollywood writer/director/producer Judd Apatow called the chains’ decision “disgraceful” and wondered, along with many others, what’s next: “Will they pull any movie that gets an anonymous threat now?” Many called it a sad day for creative expression, and feared that this forebodes a dangerous new self-censorship. Rob Lowe compared Hollywood to Neville Chamberlain (to which the nation of Czechoslovakia replied, “Mmm, Rob, I think not”). Newt Gingrich went so far as to call the hackers’ threat an “act of war,” forgoing the need for an act of war to involve an actual act. Forget the pesky details, there’s really never a bad time for a little preemption.
Read it all from America.
Filed under: * Culture-Watch Blogging & the Internet Law & Legal Issues Movies & Television Science & Technology * Economics, Politics Defense, National Security, Military Economy Corporations/Corporate Life Foreign Relations Politics in General * International News & Commentary America/U.S.A. Asia North Korea * Theology Ethics / Moral Theology
Some nonprofit hospitals around the country don't ever seize their patients' wages. Some do so only in very rare cases. But others sue hundreds of patients every year. Heartland, which is in the process of changing its name to Mosaic Life Care, seizes more money from patients than any other hospital in Missouri. From 2009 through 2013, the hospital's debt collection arm garnished the wages of about 6,000 people, according to a ProPublica analysis of state court data.
After the hospital wins a judgment against a former patient in court, it's entitled to take a hefty portion of the patient's paychecks going forward: 25 percent of after-tax pay. For patients who are the head of household, if they tell the hospital or court that information, the hospital can seize only 10 percent of each paycheck.
But Heartland, through the debt collection company Northwest Financial Services, often sues both adults in a household — garnishing one at the 10 percent rate and the other at the full 25 percent of their pay. The hospital also charges patients 9 percent interest, the maximum allowed under state law.
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Filed under: * Culture-Watch Health & Medicine Law & Legal Issues Poverty * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Personal Finance * Theology Ethics / Moral Theology
Comedian and actor Robin Williams, who died earlier this year, was the top search on Google during 2014.
The search engine has released its list of this year’s most searched for news events and top trending subjects. Williams’ death drew more attention than the World Cup (2nd), Ebola (3rd) or Malaysia Airlines (4th).
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Filed under: * Culture-Watch Globalization Health & Medicine Media Movies & Television Science & Technology * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Terrorism * Theology Anthropology Ethics / Moral Theology
The ruble meltdown and accompanying economic slump marks the collapse of Putin’s oil-fueled economic system of the past 15 years, said an executive at Gazprombank, the lender affiliated to Russia’s state gas exporter. He asked not to be identified because of the sensitivity of the issue.
The higher interest rate will crush lending to households and businesses and deepen Russia’s looming recession, according to Neil Shearing, chief emerging-markets economist at London-based Capital Economics Ltd.
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Filed under: * Culture-Watch Globalization * Economics, Politics Defense, National Security, Military Economy Consumer/consumer spending Corporations/Corporate Life Credit Markets Currency Markets The Banking System/Sector Foreign Relations Politics in General * International News & Commentary Europe Russia * Theology Anthropology Ethics / Moral Theology
Russia is in the middle of a currency crisis. On December 15th its currency lost 10% of its value, having already lost about 40% this year. The central bank increased interest rates sharply, but instead of calming the market the hike was seen as a sign of desperation. The following day the rouble was at one point down a further 20% (and ended the day 10% lower). The central bank reckons that GDP could fall by 5% in 2015. Inflation is currently at 10% but is expected to accelerate rapidly. Russians are panic-buying; banks are running out of dollars. What’s gone wrong with Russia’s economy?
The problems were long in the making. Russia is highly dependent on oil revenues (hydrocarbons contribute over half the federal budget and two-thirds of exports) and over the past decade it has failed to diversify its economy. It is horribly corrupt, has weak institutions and no real property rights. The Kremlin distributes oil money via state banks to firms and projects which it selects on the basis of their political importance and their pro-Putin stance, rather than trusting the market to allocate capital to the most efficient firms. If you look at wealth, Russia is the world’s second-most unequal country. Its working-age population is shrinking fast.
Western sanctions imposed in response to Russia’s meddling in Ukraine have dealt a blow to the economy. But the proximate cause of the turmoil of the last few days is concern about Russia's corporate sector. During 2015 Russia’s firms must repay $100 billion-worth of foreign debt. But as the rouble falls, paying back dollars becomes more difficult.
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Filed under: * Economics, Politics Economy Consumer/consumer spending Corporations/Corporate Life Credit Markets Currency Markets The Banking System/Sector Energy, Natural Resources Foreign Relations Politics in General * International News & Commentary Europe Russia * Theology Ethics / Moral Theology
The findings suggest the supply glut that has sent prices tumbling could soon vanish as the oil majors delay big-ticket production projects — the lifeblood of future petrol supplies, heating fuels and chemicals.
Brent, the international benchmark, has fallen more than 45 per cent since mid-June amid surging US shale production, strong supply from the Opec cartel and weak oil demand in Europe and Asia.
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In the high-stakes contest between the United States, the biggest shale oil producer, and Saudi Arabia, the biggest oil exporter, America has blinked first.
The OPEC refusal to cut production at its November meeting was widely seen as the declaration of a price war against booming U.S. shale oil producers, which had sent their country’s oil production soaring. Saudis had watched as their market share dropped precipitously in the world’s biggest oil-consuming nation, and they wanted to send a clear message across the global energy market that they weren’t about to back off.
Oil prices have been in freefall ever since. Brent crude, the global oil benchmark, sank another 3 per cent Friday to $61.85 (U.S.) a barrel, while West Texas intermediate, the U.S. benchmark, dropped 3.6 per cent to $57.81, extending its slide from well over $100 a barrel in the summer.
If the global oil standoff pits the industry stalwart Saudi Arabia against the surging U.S. rival, other global players are coping with the pricing fallout, including Canada. Oil companies around the world are being forced to revisit their spending and production plans for 2015, and in the offices towers of downtown Calgary, those changes are already well under way.
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The American economy has stopped delivering the broadly shared prosperity that the nation grew accustomed to after World War II. The explanation for why that is begins with the millions of middle-class jobs that vanished over the past 25 years, and with what happened to the men and women who once held those jobs.
Millions of Americans are working harder than ever just to keep from falling behind; Green is one of them. Those workers have been devalued in the eyes of the economy, pushed into jobs that pay them much less than the ones they once had.
Today, a shrinking share of Americans are working middle-class jobs, and collectively, they earn less of the nation’s income than they used to. In 1981, according to the Pew Research Center, 59 percent of American adults were classified as “middle income” — which means their household income was between two-thirds and double the nation’s median income. By 2011, it was down to 51 percent. In that time, the “middle” group’s share of the national income pie fell from 60 percent to 45 percent.
For that, you can blame the past three recessions, which sparked a chain reaction of layoffs and lower pay.
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Hours after five hostages escaped from the Lindt cafe, one of the remaining women switched off the lights inside.
Premier Mike Baird has asked Sydneysiders to go about their day as usual on Tuesday
There is an exclusion zone near the cafe, bordered by Pitt, Elizabeth, Hunter and King Streets.
NSW Police have activated Task Force Pioneer, which they use in terrorism related incidents.
A coalition of Muslim groups has expressed their shock and horror at the siege. They have urged calm.
Sydneysiders have united under the hashtag #illridewithyou offering company to Muslims wearing religious garments as they travel in the city.
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Disneyland has become a time capsule not of the romantic idea of 19th century Main Street or even the possibilities in Tomorrowland but of a time when Americans believed in a better future — and were willing to invest in it. A half-century ago, we put almost 1 percent of our economy into landing men on the moon, yet today we fall behind other countries in exploring space, supposedly because we cannot afford it.
We pay a huge price for our lack of investment and faith in the future of America. We pay for all the inefficiency of our decrepit infrastructure. We pay with minds that will never be fully developed and with scientific breakthroughs that will enrich other countries. And we pay with lives of daily grind and unpleasantness without hope of respite.
Would that as a people we thought like Walt Disney so we could make America into a happy place.
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The danger of stimulus-induced bubbles is starting to play out in the market for energy-company debt.
Since early 2010, energy producers have raised $550 billion of new bonds and loans as the Federal Reserve held borrowing costs near zero, according to Deutsche Bank AG. With oil prices plunging, investors are questioning the ability of some issuers to meet their debt obligations. Research firm CreditSights Inc. predicts the default rate for energy junk bonds will double to eight percent next year.
“Anything that becomes a mania -- it ends badly,” said Tim Gramatovich, who helps manage more than $800 million as chief investment officer of Santa Barbara, California-based Peritus Asset Management. “And this is a mania.”
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A radical overhaul of the Church of England's leadership is under way.
A key report, still unpublished, sets out a programme of "talent management" in the Church. The report has been signed off by the two Archbishops, and a £2-million budget has been allocated. It was discussed by all the bishops in September, and the House of Bishops on Monday. A spokesman said on Wednesday that the Bishops "welcomed the implementation plan prepared in the light of those discussions. Details will be published next month."
The Church Times has seen the report, Talent Management for Future Leaders and Leadership Development for Bishops and Deans: A new approach, prepared by a steering group chaired by Prebendary the Lord Green of Hurstpierpoint, the former HSBC chairman. It speaks of a "culture change for the leadership of the Church", and outlines a two-stage process.
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...the ECB is split over whether to embark on full-blown quantitative easing as a way to achieve growth. Such a policy is strongly opposed by Bundesbank President Jens Weidmann and other hawkish members of the bank’s governing council.
They believe the central bank’s existing measures, which include buying covered bonds and asset-backed securities and auctioning cheap cash to eurozone lenders, are enough to lift inflation to the ECB’s target of below but close to 2 per cent.
But analysts think the disappointing take-up at Thursday’s auction has weakened their hand. “The result reduces the strength of the ECB hawks’ argument that existing policy measures are enough,” said Nick Matthews, economist at Nomura.
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STEVE INSKEEP, HOST:
Here's a change in corporate human resources - more companies are hiring chaplains. These are the same kinds of people with religious training you find in the military or on college campuses. Chaplains work in companies to help people talk through office frustrations. Here's Lauren Silverman of our member station KERA in Dallas.
LAUREN SILVERMAN, BYLINE: Every week, Chaplain John Eaton knocks on the doors of employees at Purdy McGuire, an engineering firm in Dallas.
CHAPLAIN JOHN EATON: Hey Scott. How's it going, man?
SILVERMAN: How's it going is more than a greeting, it's part of Eaton's job. He talks with employees about anything - sports, church, problems at home. Scott Brown is a member of the Church of Jesus Christ of Latter-day Saints, or Mormon faith. He likes the check-ins.
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Google is shutting down its Google News service in Spain next week in response to new legislation that requires the search giant to pay for content from Spanish news organizations.
Richard Gingras, the head of Google News, announced the decision on Google’s Europe blog Thursday. “With real sadness,” he wrote, Spanish publishers will be removed from the site on Dec. 16.
The change to Spain's copyright law, which goes into effect in January, allows Spanish newspapers and other publishers to charge Google each time their content appears on Google News. The so-called “Google tax” applies to all news aggregation sites, including Menéame, Google’s Spain-based rival.
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Church giving is serious business. Scores of newsletters, workshops, and books are devoted to it, and consultants exist to advise institutions on how to maximize funds. A five-year study released last year estimated that "tithers"—Christians who donate 10% or more of their income to church or charity—contribute more than $50 billion a year. (And that’s not counting the many who give a smaller percentage of their income.) There's even crime associated with tithing: In March, Texas megachurch pastor Joel Osteen’s church was robbed of $600,000 in donations from a single weekend.
Somehow, though, the offering process, when ushers pass baskets down the rows and worshippers voluntarily drop in checks or cash, has remained basically unchanged since the 19th century. But who carries cash, let alone checks, anymore?
Luckily for churches, a wave of apps and other digital giving options have risen up to bridge the gap.
Call it the 21st-century offering plate.
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The origin of Christmas gifts lies in the Christian tradition that says God gave his son, Jesus, as a gift to bring us life; we reflect that generosity by giving gifts to each other. Of course, no gift, however pricey, can truly reflect the gift God gave the world in sending Jesus to share our suffering on the cross, bear the weight of our wrongdoing and offer us the hope of life.
However, our gifts can, in small ways, reflect and point to the self-giving love of God. But the most meaningful gifts are about expressing life, not luxury. This is especially true if, as money-saving expert Martin Lewis tells us, people feel pressured into tit-for-tat giving at Christmas – buying something equally as luxurious as what they’re given.
There is nothing wrong with giving something small, something that is meaningful and reminds the person that you care for them – something from a charity shop, perhaps. It also gives the recipient the freedom to buy you something similarly small but meaningful.
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Santa Claus is going to be bringing lots of presents in a couple of weeks, but lower health-insurance costs for most Americans won't be one of them.
People with insurance through an employer—that is, most people with health coverage—are paying "more in premiums and deductibles than ever before" as those costs outpace the growth of wages, a new report finds.
Total premiums for covering a family through an employer-based plan rose 73 percent from 2003 through 2013, while workers' personal share of those premium costs leaped 93 percent during the same time frame, the Commonwealth Fund report said. At the same time, median family income grew just a measly 16 percent.
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Falling oil prices are putting a cloud over the one thing Mexico’s struggling government had been clinging to in its attempts to invigorate a sluggish economy — its historic energy reform.
The government had been planning to auction 169 oil and gas blocks next year. It was to be one of the most ambitious bid rounds the industry had seen in a country whose sector has been closed to private investment for nearly 80 years, and where production is at its lowest level in two decades.
But the oil price fall has sobered what one executive called the “frothy, crazy bidding environment” Mexico had been expecting, unsettling a government reliant on oil revenue for a third of its budget. Officials are hastily striking off shale and other fields that might now look unappealing to bidders. Long-awaited initial tender terms are likely to be published on Wednesday.
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The Church of England said it was in the process of filing shareholder resolutions on climate change at BP Plc and Royal Dutch Shell Plc.
"The resolution is intended to challenge the companies to run their businesses so that they participate constructively in the transition to a low carbon economy", The Church of England wrote in a blog. (bit.ly/1tUBUlN)
The Church said it chose BP and Shell because they have the biggest carbon footprints of all the companies listed on the London Stock Exchange.
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Barn No. 5 at Hilliker’s Ranch Fresh Eggs is about to become a state-of-the-art multiplex for hens. Two massive scaffolding-like structures, each the length of four school buses, are getting their final nuts and bolts, and in a few weeks, 8,000 cage-free chickens will come thronging and clucking into these new “aviary” roosts. Moving freely around the barn, they will perch on rows of shiny bars, nest on private mats, and quench their thirst from tiny water nipples. While one conveyor belt whisks chicken waste out the door, another one will collect the bounty – a nonstop supply of brown and white eggs.
The roosts, which line both sides of the barn, are replacing dense rows of wire cages that housed chickens for some 60 years. Frank Hilliker, a third-generation egg farmer in this dusty town north of San Diego, strolls through the barn, hoists himself up to the top of the roosting tiers, and surveys the chickens’ new domain.
“Those are privacy curtains,” he says, pointing down at a strip of tomato-red plastic flaps. “Inside is a little AstroTurf pad that they get to lie on, and that’s where they lay their eggs!”
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Uber this week flunked its first test drive around Charleston's legal system.
Taft Navarro, the first known Uber driver to be cited in the region for violating local or state transportation rules, was found guilty Thursday in a Charleston County courtroom. He was required to pay the full fine of $437 for operating a ride-for-hire service at Charleston International Airport without the necessary permit.
Chief Magistrate David Coker's ruling might set something of a precedent for how similar violations will be handled at the airport in the future, Navarro said.
Read it all from the front page of today's local paper.
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A deadly fire is all that betrayed a suspected Chinese hacker group in Kenya believed to be trying to infiltrate banks, mobile money transfer networks, and ATMs.
So far, police have arrested and charged 77 Chinese nationals in connection with activities in an upscale Nairobi suburb. During the raids, police found soundproof rooms fashioned like military dorms that were full of computer equipment and outfitted with high-speed Internet connections, which is uncommon in Kenya.
The discovery of what police call a cybercrime command center comes as Kenya is experiencing a wave of computer crime, with criminal hackers carrying out phishing campaigns to extort money from citizens and launching attacks on banks. The arrests are a fortunate break for a police force struggling to contain the problem.
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The U.S. economy is on track for its strongest year of job creation since 1999, as employers last month ramped up hiring and wage growth posted a small—but potentially significant—pickup.
Nonfarm payrolls rose a seasonally adjusted 321,000 in November, the strongest month of hiring since January 2012, the Labor Department said Friday. Hiring was broad across industries, led by gains in the professional and business-services sector.
“The economy may not yet be a big mean jobs machine but it is just about there,” Joel Naroff, president and chief economist at Naroff Economic Advisors Inc., said in a note to clients.
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The bills arrive as regularly as a heartbeat at the Vories’s cozy bi-level brick house just across the Ohio River from Cincinnati. It’s the paychecks that are irregular.
These days, Alex Vories, 37, is delivering pizzas for LaRosa’s, though he has to use his parents’ car since he wrecked his own 1997 Nissan van on a rainy day last month. In the spring and autumn, he had managed to snag several weeks of seasonal work with the Internal Revenue Service, sorting tax returns for $14 an hour. But otherwise the family had to make do with the $350 a week his wife, Erica, brought home from her job as a mail clerk for the I.R.S.
“We just kind of wing it every month,” said Mr. Vories, whose unemployment benefits ran out at the end of 2013, 10 months after he lost his job answering phones at Fidelity Investments. Ever since, the family’s income has bounced up and down from one week to the next, like the basketball he and his two sons play with in their driveway, next to the Kentucky Wildcats pennant planted in their front yard.
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Across the country, laborers are hard at work lifting 700-pound shelves full of multivolume encyclopedias, propane grills or garden gnomes and dragging them across vast warehouse floors. Carefully trained not to bump into one another, the squat workers are 320 pounds and a mere 16 inches tall.
No, they’re not Christmas elves—they’re some of the most advanced robots that e-commerce giant Amazon now uses to ship its goods. In an exclusive video for TIME, photographer and videographer Stephen Wilkes captured these Amazon robots in action at the company’s Tracy, Calif., warehouse.
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What better time to talk to dead people for fun than the festival to celebrate the birth of Jesus? Ouija boards are flying themselves off shelves and under trees this Christmas, according to trends data released by Google. The company has recorded a 300 per cent increase in searches for the spirit-bothering devices, fuelled by a terrible movie that was effectively a feature-length ad for a board game, an appearance on The Archers, and the Victorian belief that if the dead could speak, they would use a plank of a wood and the alphabet.
Ouija, released in October in time for Halloween, was, by all accounts, a cliché-ridden turkey about a group of teenage girls who experiment with a board and get scared. It has a disastrous 7 per cent rating on Rotten Tomatoes, the review aggregating site, but became an occult hit, to the delight of its backers. Hasbro, the toy company behind Monopoly, pushed for the revival of the film, which had stalled in development, and partnered with Universal to make it happen. Its Ouija Game, including a glow-in-the-dark version, is – sure enough – the biggest seller online.
Read it all from the Independent. One C of E clergyman is concerned: ‘It’s like opening a shutter in one’s soul and letting in the supernatural,’ says Peter Irwin-Clark, a Church of England vicar who has witnessed the dark side of Ouija. ‘There are spiritual realities out there and they can be very negative.’
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Next year, people born between 1981 and 1996 are poised to become the new workforce majority and will eventually remake the workplace in their own image. That means office culture is in for big changes. As a new survey shows, this generation is already chafing at today's traditional company structures.
Freelancer platform Elance-oDesk and Millennial Branding, a research consultancy, interviewed more than a thousand working millennials and 200 older hiring managers to arrive at what they call the "disjoints" in thinking between these two generations. The two groups often had different perspectives on what’s important.
Roughly two-thirds of hiring managers agree that millennials have more equal attitudes toward genders in the workplace. But the report suggests that gender-based discrimination—whether it comes to salary or assignments—is still rife. More than 20% of millennial women say that when they arrive at their new jobs, they feel like work is worse than they expected. Only 12% of millennial men feel similarly.
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Foreigners are dreaming big, but the locals seem a bit overwhelmed with all the interest in a new law that was passed legalizing marijuana in the last year.
The law allows Uruguayans to register to grow their own weed, or join growing clubs — cooperatives of up to 45 people — for personal consumption.
Under President Jose Mujica's maverick leadership, Uruguay went further than any country in the world: The government will plant, cultivate and ultimately distribute marijuana, too.
Mujica says decades of failed drug war policies necessitated a radical new approach to curb drug violence and addiction. If the government sells dope, the idea goes, the criminals can't. But the reality has proven complicated, and some advocates say the government has bitten off more than it can chew.
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Leading U.S. CEOs, angered by the Obama administration's challenge to certain "workplace wellness" programs, are threatening to side with anti-Obamacare forces unless the government backs off, according to people familiar with the matter.
Major U.S. corporations have broadly supported President Barack Obama's healthcare reform despite concerns over several of its elements, largely because it included provisions encouraging the wellness programs.
The programs aim to control healthcare costs by reducing smoking, obesity, hypertension and other risk factors that can lead to expensive illnesses. A bipartisan provision in the 2010 healthcare reform law allows employers to reward workers who participate and penalize those who don't.
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Although Saudi Arabia and several of the Gulf states are also major oil exporters, they differ from other producers in two important ways. First, their cost of extracting oil is extremely low, which means that they will be able to produce profitably at the current price – or even at a much lower price. Second, their enormous financial reserves allow them to finance their domestic and international activities for an extended period of time, as they seek to transform their economies to reduce their dependence on oil revenue.
A further decline in the price of oil could have major geopolitical repercussions. A price of $60 a barrel would create severe problems for Russia in particular. President Vladimir Putin would no longer be able to maintain the transfer programs that currently sustain his popular support. There would be similar consequences in Iran and Venezuela.
It is not clear whether these countries’ current regimes could survive a substantial and sustained future decline in oil prices. By contrast, it is obvious that oil-importing countries would benefit greatly – as they already are.
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Black Friday in the U.S.: like a regular weekend at the malls, only a little more so. Black Friday overseas: like Black Friday used to be in the U.S., including the shoving and fistfights.
Call it America's latest export.
As Americans hunkered down on their couches to score Black Friday bargains online, shoppers in other parts of the world took part in what had been a uniquely American experience: Risking life and limb for dirt-cheap sweaters and discounted TVs.
British police officers were called to stores across the country on Friday to quell surging crowds and fights over deals. Retailers had adopted American-style Black Friday discounts to get a jump on the Christmas shopping season, according to Reuters. Even Brazil got in on the act, with stores offering Black Friday deals.
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The family of Lee Rigby have said they hold Facebook partly responsible for his murder, after a report found it failed to take action over an online chat in which one of the killers vowed to slay a soldier.
The Intelligence and Security Committee’s long-awaited report yesterday labelled an unnamed internet company, widely reported to be Facebook, a “safe haven for terrorists” because it did not flag up the online exchange between Michael Adebowale and a foreign jihadist, which took place five months before Fusilier Rigby’s murder.
The parliamentary watchdog’s chair Sir Malcolm Rifkind stated that the web firm could have made a difference by raising the conversation, and said there was “a significant possibility that MI5 would have been able to prevent the attack” as Adebowale would have become “a top priority.”
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Artificial intelligence, once confined to the realm of science fiction, is changing our lives. Cars are driving themselves. Drones are being programmed to deliver packages. Computers are learning to diagnose diseases. In a recent book, the economists Erik Brynjolfsson and Andrew McAfee describe these recent advances as examples of the beginning of what they call “the second machine age.”
The very name – the first machine age was the Industrial Revolution – suggests an epochal shift. And, indeed, if the predictions are to be believed, these technological advances could have profound implications for the way we live.
One common forecast is that as ever-more advanced robots substitute workers, the cost of labor will become less important, and manufacturing will move back to rich countries. Another is that increasingly intelligent machines will reduce the demand for advanced skills, and that the economic advantage of having these skills will decline as a result.
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Sunday morning is an inconvenient time for church services because people are busy shopping and doing DIY, the Church of England has admitted.
Worshippers are increasingly turning their backs on the centuries-old practice of attending worship on Sundays because of other leisure and social “commitments”, it said.
The admission came alongside new figures showing that attendances at midweek services in cathedrals have doubled in a decade while numbers in the pews in parishes on Sundays continue to fall.
The Dean of Lichfield, the Very Reverend Adrian Dorber, said many people still crave quiet reflection, but are seeking out less “pressurised” times in the week to worship than Sunday mornings.
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A Europe weary with disorientation. And I don't want to be a pessimist, but let's tell the truth: after food, clothing, and medicine, what are the most important expenditures? Cosmetics, and I don't know how to say this in Italian, but the “mascotas,” the little animals. They don't have children, but their affection goes to the little cat, to the little dog. And this is the second expenditure after the three main ones. The third is the whole industry to promote sexual pleasure. So it’s food, medicine, clothing, cosmetics, little animals, and the life of pleasure. Our young people feel this, they see this, they live this.
I liked very much what His Eminence said, because this is truly the drama of Europe today. But it's not the end. I believe that Europe has many resources for going forward. It's like a sickness that Europe has today. A wound. And the greatest resource is the person of Jesus. Europe, return to Jesus! Return to that Jesus whom you have said was not in your roots! And this is the work of the pastors: to preach Jesus in the midst of these wounds. I have spoken of only a few, but there are tremendous wounds. To preach Jesus. And I ask you this: don't be ashamed to proclaim Jesus Christ risen who has redeemed us all. And for us too that the Lord may not rebuke us, as today in the Gospel of Luke he rebuked these two cities.
The Lord wants to save us. I believe this. This is our mission: to proclaim Jesus Christ, without shame. And he is ready to open the doors of his heart, because he manifests his omnipotence above all in mercy and forgiveness. Let's go forward with preaching. Let's not be ashamed. So many ways of preaching, but to mama Europe - or grandma Europe, or wounded Europe - only Jesus Christ can speak a word of salvation today. Only he can open a door of escape.
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At this year's Acton University conference, you spoke on how love is an indispensable basis for economic life. To some, that might seem odd if economic life is viewed as the maximization of utility and material well-being.
We can’t enter the marketplace as something other than what we really are, and real human love demonstrates the impossibility of being merely homo economicus (“the economic man”), which is essentially a thesis that reduces human beings to their materiality.
Humans are simultaneously material and transcendent, individual and social. We are not merely individual entities, though we are uniquely and unrepeatably that, even from the first moment of our conception. Yet the whole of our lives we are social and individual, material and spiritual. If we ignore this existential reality, then we fail to understand what it means to be human.
Love—authentic human love—helps us understand this anthropological reality. Even conjugal love offers more than physicality. In this act of love, we offer our whole selves, including our ideals, dreams, and indeed our future to one another—none of which exists in material reality. Love, especially in the biblical sense, is not merely what one wants for oneself, but is a free decision that wills the good of the person one loves. And this transcendent act, this non-material dimension of human anthropology—when open to new life—normatively results in other human persons who are made from the dust of the earth and the breath of life.
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Dozens of faith leaders and consumer advocates are pressing Congress to create a national interest rate cap for payday lenders instead of the exorbitant three-digit rates currently charged to people in several states. Eighty activists from 22 states came to Washington in hopes of shaping new regulations that are expected from the Consumer Financial Protection Bureau. Many of their congregations are surrounded by payday loan businesses that they say prey on poor residents by charging high interest rates and creating a cycle of debt.
“Together, you guys are really bringing a strong message and a light and a moral perspective about predatory lending that’s valuable,” said Rachel Anderson, director of faith-based outreach for the Center for Responsible Lending, which spearheaded a three-day visit and training session for religious leaders on Capitol Hill. “We hope that your message is heard strongly.”
The leaders asked members of Congress on Wednesday (November 19) to pass legislation capping interest rates, citing a 36 percent interest cap required by the Military Lending Act. “If it’s fair for the military, we felt it should be fair for all people,” said the Rev. Susan McCann of Grace Episcopal Church in Liberty, Missouri.
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One80 Place's program isn't unique: There are dozens of similar kitchen-based initiatives across the country, ranging from modest Culinary 101-type classes to full-fledged restaurants serving the public. But it's especially appropriate for Charleston, where severe understaffing threatens to upend the local food-and-beverage economy.
The lurking downer is that the efficacy of such programs remains remarkably unclear. Scholars have scrutinized the causes of homelessness and the demographics of the U.S. homeless population, but whether job training leads to long-term employment remains largely unexplored. Even Catalyst Kitchens, a national network of organizations that "transform lives through foodservice job training and social enterprise," couldn't muster any evidence showing kitchen-centered training results in better outcomes than other interventions.
"We're all sort of finding our way," says Angela DuPree, One80 Place's director of operations.
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Sen. Mary Landrieu’s bid to pass a Keystone XL pipeline bill fell short by the slimmest of margins Tuesday, leaving the $8 billion pipeline still on the table for the ascendant Republican Party to push the project to President Barack Obama’s desk in January.
The 59-41 Senate vote was just shy of the 60 votes needed to pass the bill, following a dramatic six days of whipping by the embattled Louisiana Democrat on an issue that almost all of Washington had expected to sit idle until next year.
The defeat deals a blow to Landrieu’s campaign ahead of her Dec. 6 runoff against GOP Rep. Bill Cassidy, whom polls show running comfortably ahead. Winning on Keystone would have helped her demonstrate her clout on the Hill as a champion of her state’s influential oil and gas industry.
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The war between the giants of the technology industry for the attention of the world’s office workers look like it is about to take an unexpected turn.
Fundamental changes in the daily lives of millions of so-called “information workers” have already triggered a corresponding upheaval in the technology tools on which they rely. Staples such as email and Microsoft’s Office suite of products still hold sway, but they are increasingly being supplemented by services like group chat, internal social networks and shared online document editing.
Now, Facebook’s ambition to create a version of its social network for the office, first reported in the Financial Times this week, promises a new twist.
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“The upcoming OPEC meeting is going to be the most difficult one during this century,” said Mohammad al-Sabban, a former senior adviser to Mr. Naimi. “It seems that OPEC has forgotten how to cooperate.”
Within the group, officials are increasingly worried its divisions contribute to weaker prices. “If OPEC fails to reach an agreement,” one OPEC official said, “oil prices will keep on falling....”
A collective move to cut output could boost prices, but it would also rob OPEC members of revenue. It is unclear how long such vulnerable OPEC economies as Venezuela and Nigeria could afford to limit production without reopening the spigots.
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Maria Fernandes died for the sake of a nap. The 32-year-old held three part-time jobs, and between shifts at two different Dunkin’ Donuts locations she stopped in a parking lot in Elizabeth, New Jersey, to sleep in her car. Fumes from a spilled fuel container that had tipped over—she worried about running out of gas—and exhaust from her vehicle ended her life on August 25. According to her manager, this was the first time Fernandes failed to show up or answer her phone. Her friends remembered a generous, sentimental, spirited young woman.
Fernandes was part of what economist Joe Seneca calls the “real face of the recession”: 7.5 million American workers cobbling together a living from part-time jobs. While the shortage of full-time jobs at adequate wages is a familiar story in America’s lingering downturn, the cruel shortage of sleep is not.
It should be. “A battle against leisure is unfolding,” Ryan Jacob claims in a Pacific Standard article called, provocatively enough, “Are Sundays Dying?” Citing Canadian survey data, Jacob found that even in this last citadel of repose, religious observances, socializing, eating at home, and, yes, sleep had all declined on Sundays between 1981 and 2005. During the same period, time spent working increased dramatically.
Read it all and alert blog readers may remember that I posted Ms. Fernandes tragic story back in October.
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Another day, another football player arrested for domestic violence.
Frank Clark, a senior defensive end for the University of Michigan, was arrested Sunday for allegedly attacking his girlfriend in a Perkins, Ohio hotel room. Sports analysts predict Clark will be a third-round NFL draft pick next year. It’s the latest in a string of scandals involving football players this year–including Baltimore Ravens’ Ray Rice and Minnesota Vikings’ Adrian Peterson–that has prompted the NFL to implement a revamped domestic violence policy.
But Drew Pittman, a Christian NFL sports agent whose firm has negotiated almost $1 billion in player contracts, claims we’re missing the real problem. He says America–not just sports–is experiencing an epidemic of men who are not equipped to be husbands and fathers. He’s compiled stories and principles from his career in a new book, First Team Dad: Your Playbook for a Winning Family (foreword by Super Bowl winning coach Tony Dungy), and argues that our real problem is ungodly men. Here we discuss his book, sports scandals, and what he believes every parent can learn about parenting and marriage from professional sports.
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Federal drug agents conducted surprise inspections of National Football League team medical staffs on Sunday as part of an ongoing investigation into prescription drug abuse in the league. The inspections, which entailed bag searches and questioning of team doctors by Drug Enforcement Administration agents, were based on the suspicion that NFL teams dispense drugs illegally to keep players on the field in violation of the Controlled Substances Act, according to a senior law enforcement official with knowledge of the investigation.
The medical staffs were part of travel parties whose teams were playing at stadiums across the country. The law enforcement official said DEA agents, working in cooperation with the Transportation Security Administration, inspected multiple teams but would not specify which ones were inspected or where.
The San Francisco 49ers confirmed they were inspected by federal agents following their game against the New York Giants in New Jersey but did not provide any details. “The San Francisco 49ers organization was asked to participate in a random inspection with representatives from the DEA Sunday night at MetLife Stadium,” team spokesman Bob Lange said in an e-mailed statement. “The 49ers medical staff complied and the team departed the stadium as scheduled.”
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The Anglican Diocese of Southwark has received accreditation from the Living Wage Foundation as a Living Wage employer.
This means that everyone who regularly works in the diocesan offices in Chapel Court off Borough High Street receives at least the London Living Wage of £9.15 per hour.
"The Diocese of Southwark is proud to join more than 1,000 employers nationwide who are determined to help people earn enough to provide their family with the essentials of life by paying the Living Wage, which more accurately reflects the real cost of living," said diocesan secretary Simon Parton.
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The truth is we all lose out from the inequity of low pay. Billions of pounds are spent each year on topping up the incomes of low paid workers at a time when public finances are very tight. Demand is sucked out of the economy by the lack of spending power of a fifth of the workforce. And where inequality grows, we all become diminished. It makes us all poorer.
But amidst this darkness, some light has begun to shine through, and many of you are part of that light, as you have embraced the principle of paying a Living Wage. Over 1,000 employers – from Local Councils, to small and large private businesses, are now accredited by the Living Wage Foundation. The number of Living Wage Employers in the FTSE 100 has risen from four to 18.
I would like to thank you, and the other organisations here that not only support work on the Living Wage but are also accredited themselves. You are leading the way for responsible employers.
The other good news we heard recently is that the Living Wage has now been increased by 2.6%, in line with the actual cost of living.
But there is still a long way to go....
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Terrorists and criminals are exploiting a European court ruling to hide internet records about their pasts, a cabinet minister has warned.
Sajid Javid, the culture secretary, unleashed a fierce rebuke to “unelected judges” in Luxembourg who passed the “right to be forgotten” law. It grants anyone the right to demand the removal of damaging or embarrassing information from search engines, even if it is factually true.
Mr Javid hit out at the ruling as “censorship by the back door”. In a speech to newspaper editors, he said that thousands of requests to remove links to articles were pouring in to companies such as Google from people who “for one reason or another, would prefer their pasts to be kept secret”.
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Advances in robotics and computing could wipe out as much as a third of all UK jobs over the next 20 years, a new report has claimed.
More than 10 million roles are likely to be replaced by automated systems, with repetitive, lower-paid jobs (those earning less than £30,000 a year) five times more likely to be made obsolete than higher-paid jobs.
Experts said the trends identified in the report were already well under way, with “high risk” jobs identified in “office and administrative support; sales and services; transportation; construction and extraction; and production.”
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Investors’ long-term success may increasingly depend not just on the narrow financial performance of the companies whose shares they buy, but on how well they manage the ethical questions that will ultimately shape the outcomes for those companies.
While many asset owners look on responsible investing as an ethical obligation, the growing consensus is that it is also good business.
This view casts responsibility as a question of risk management. If you invest only in businesses with good human rights practices, engagement with local communities, clear accountability through the supply chain and clarity about exposure to resource scarcity, you are less likely to be caught out by an unforeseen problem such as protests over water rights or litigation following an oil spill, such as BP’s Deepwater Horizon debacle in the Gulf of Mexico.
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The Supreme Court announced Friday that it will hear the most serious challenge to the Affordable Care Act since the justices found it constitutional more than two years ago: a lawsuit targeting the federal subsidies that help millions of Americans buy health insurance.
More than 4 million people receive the subsidies, which the Obama administration contends are essential to the act by making insurance more affordable for low- and middle-income families.
But challengers say the administration is violating the plain language of the law. They are represented by the same conservative legal strategists who fell one vote short of convincing the court that the law was unconstitutional the last time around.
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if we look at just the 25-to-54 age group, which strips out most students and retirees, the employment-to-population ratio has been slowly improving since it bottomed out at 74.6% (not seasonally adjusted) in February 2011. Last month, 77.3% of all 25-to-54-year-olds were employed, which is well below the indicator’s pre-recession high in October 2006, when 80.7% of people in this age group were employed.
Then again, not all employment is created equal, either. During the Great Recession, the ranks of people working part-time either because they couldn’t find full-time work or because their hours were cut back because of slack demand soared from around 3% of all employed people pre-recession to 6.6% in March 2010. There are fewer such involuntary part-timers now, but last month they still accounted for 4.8% of all employed people (and 2.7% of the entire adult civilian non-institutional population).
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An unusual email to library staff at Exeter Cathedral has led to the unearthing of a 16th-century copy of the New Testament in a Surrey charity shop.
The volume, Jesu Christi D.N. Nouum Testamentum, was edited by the Frenchman Theodore Beza, an important figure in the Reformation and a contemporary of John Calvin. It was published in 1574 by Thomas Vautrollier, a French Huguenot refugee who became a leading printer of religious books in England.
It was recognised by a browser in the Oxfam shop in Dorking, Surrey, who noticed that it contained a dedication to E. C. Harington, dated 1869. He was Edward Charles Harington, a former Canon Chancellor of Exeter Cathedral. On his death in 1881, his extensive collection of books was bequeathed to the Dean and Chapter.
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Searching for a new way to attack Ebola, companies and academic researchers are now racing to develop faster and easier tests for determining whether someone has the disease.
Such tests might require only a few drops of blood rather than a test tube of it, and provide the answer on the spot, without having to send the sample to a laboratory.
The tests could be essential in West Africa, where it can take days for a sample to travel to one of the relatively few testing laboratories, leaving those suspected of having the disease in dangerous limbo.
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NYU's Pankaj Ghemawat discusses the top 10 countries that are wired and ready to make money. He speaks with Bloomberg's Pimm Fox on "Taking Stock." Watch it all.
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The Internet is moving to a shopping center near you.
In Fort Wayne, Ind., a vacated Target store is about to be home to rows of computer servers, network routers and Ethernet cables courtesy of a local data-center operator. In Jackson, Miss., a former McRae’s department store will get the same treatment next year. And one quadrant of the Marley Station Mall south of Baltimore is already occupied by a data-center company that last year offered to buy out the rest of the building.
As America’s retailers struggle to keep up with online shopping, the Internet is starting to settle into some of the very spaces where brick-and-mortar customers used to shop. The shift brings welcome tenants to some abandoned stretches of the suburban landscape, though it doesn’t replace all the jobs and sales-tax revenue that local communities lost when stores left the building.
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In 1999, Desert Storm veteran Dale Sutcliffe asked his father-in-law, a Korean War veteran, if he would attend a hypothetical reunion with his old Army unit.
"I'd be on the next plane to Korea to see those guys," Sutcliffe remembers his father-in-law, David Mozingo, saying.
That led Sutcliffe, now of Mount Pleasant but living in Boston at the time, to think about developing an online registry for veterans to reconnect with one another.
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South Carolina ranks 37th in the country in terms of its tax structure being friendly to business.
The state's biggest problems, according to an annual analysis by the nonprofit, nonpartisan Tax Foundation, are its high individual income tax and its unemployment insurance rates.
The issue of tax reform has been touched on during this year's gubernatorial campaign, but it hasn't played a central role.
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Many of the people who read this article will do so because Greg Marra, 26, a Facebook engineer, calculated that it was the kind of thing they might enjoy.
Mr. Marra’s team designs the code that drives Facebook’s News Feed — the stream of updates, photographs, videos and stories that users see. He is also fast becoming one of the most influential people in the news business.
Facebook now has a fifth of the world — about 1.3 billion people — logging on at least monthly. It drives up to 20 percent of traffic to news sites, according to figures from the analytics company SimpleReach. On mobile devices, the fastest-growing source of readers, the percentage is even higher, SimpleReach says, and continues to increase.
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The much heralded asset-backed securities purchase programme will only yield about €250bn-€450bn in assets over the next two years. More LTRO (or the newer targeted LTRO) will prove a challenge as sovereign bond yields in Europe are so low that a large balance sheet expansion through this means seems impractical. Perhaps there is another €500bn-€750bn to do over the next year or two. Outright purchases of sovereign debt would prove politically difficult, as many would interpret such purchases as violating the ECB’s mandate and the matter would probably end up in the European courts.
The bottom line is that none of the tools currently on the table will get the job done. There are not enough assets to purchase or finance and the timetable to get anything done is too long. Policy makers do not have the luxury of a year or two to figure this out. The ECB balance sheet shrinks virtually daily and as it shrinks, the monetary base of Europe is contracting and putting downward pressure on prices. Europe is clearly in danger of falling into the liquidity trap, if it is not already there. The likelihood of a “lost decade” like that experienced in Japan is rapidly increasing. The ECB must act and act quickly.
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Smart, connected products offer exponentially expanding opportunities for new functionality, far greater reliability, much higher product utilization, and capabilities that cut across and transcend traditional product boundaries. The changing nature of products is also disrupting value chains, forcing companies to rethink and retool nearly everything they do internally.
These new types of products alter industry structure and the nature of competition, exposing companies to new competitive opportunities and threats. They are reshaping industry boundaries and creating entirely new industries. In many companies, smart, connected products will force the fundamental question, “What business am I in?”
Smart, connected products raise a new set of strategic choices related to how value is created and captured, how the prodigious amount of new (and sensitive) data they generate is utilized and managed, how relationships with traditional business partners such as channels are redefined, and what role companies should play as industry boundaries are expanded.
The phrase “internet of things” has arisen to reflect the growing number of smart, connected products and highlight the new opportunities they can represent. Yet this phrase is not very helpful in understanding the phenomenon or its implications. The internet, whether involving people or things, is simply a mechanism for transmitting information. What makes smart, connected products fundamentally different is not the internet, but the changing nature of the “things.”
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Google just announced a new app called “Inbox” that has the potential to transform the way we email. But it also looks like it’s going to seriously annoy advertisers as a result.
One of the key features of the Google Now-like app is “Bundles.” Basically, Inbox automatically bundles together certain kinds of messages like bank statements and purchase receipts so it’s easy to scan through them quickly.
Another feature likely to catch the eye of advertisers is “Highlights” which helps you find key information like flight itineraries and event info, but it also pulls in information from the web that wasn’t in the original email like the real-time status of your flight.
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Serum made from the blood of recovered Ebola patients could be available within weeks in Liberia, one of the countries worst hit by the virus, says the World Health Organization.
Speaking in Geneva, Dr Marie Paule Kieny said work was also advancing quickly to get drugs and a vaccine ready for January 2015.
The Ebola outbreak has already killed more than 4,500 people.
Most of the deaths have been in Guinea, Liberia and Sierra Leone.
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Federal Reserve policy makers are missing a key element as they assess the health of the labor market: data that includes whether those who are employed are overqualified for their job or would like to work more hours.
As a result, the "significant underutilization of labor resources" that Fed officials highlighted last month as they renewed a pledge to keep interest rates low for a "considerable period" is probably even more severe than currently estimated. And the information gap means policy makers may have more difficulty gauging the right moment to raise rates off zero.
"We have more slack than the official statistics suggest," said Michelle Meyer, a senior U.S. economist at Bank of America Corp. in New York. "Because it's difficult to measure underutilization, there's still a lot of uncertainty as to how much slack remains, which means there's uncertainty as to the appropriate stance of monetary policy."
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In an age of smartphones, instant messaging and 24/7 availability, it’s increasingly hard to find time to step away and reconnect with one’s self, especially in fast-paced tech hubs like Silicon Valley.
But before you lock your smartphone in a closet for an hour a day, check out some of the apps and websites available for learning and practicing the ancient art of meditation and the more contemporary mindfulness-based stress reduction.
You don’t need a new gadget to meditate — all the equipment necessary comes installed in the product.
But some meditation and mindfulness trainers are using technology in interesting ways. They range from simple meditation timers to complete courses.
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Even if one ignores some very important issues – such as just what DNA patterns can predict about the likelihood of developing any of the diseases for which risk factor screening is done (basically, little if anything); how using the 23andMe tests to determine health risks is currently prohibited by the FDA in the U.S.; and the potential for obtaining disrupting, disturbing, or even destructive information about family connections (which is a far from trivial possibility) – serious additional concerns arise in this country. These stem from the ongoing absence of genetic privacy and genetic discrimination laws in Canada, a contrast with the U.S. where there are (some) longstanding protections against misuses of DNA data.
This suggests that when someone in Canada gets a report of its findings from 23andMe, there is no way to keep insurance companies or employers from asking about it. Maybe not directly, but during an interview, applicants might be asked if they have ever had any genetic testing and, if so, what was found. Not to reveal that testing was done could be seen as providing a false answer and thereby disqualify the individual from coverage or a job. Maybe this is not as bad as learning a father is not really the man you thought he was, or as pleasing as finding you have a sister who was adopted into another family living nearby, but definitely a more negative outcome than is desirable.
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Sometimes, though, another analogy makes more sense. In this story, the US is the first to climb a cliff. Other countries are tethered to the US by ropes. The overall pace of ascent depends on the burden of debt each country has to carry. One false move by the US will wreck the entire enterprise. Yet the US will only get to the top if the others also make steady progress. At the moment, they are more in danger of losing their footing, thereby dragging down the US.
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For the American and British economies it has been a long road out of the woods, but the journey is nearing its end. America’s unemployment rate fell below 6% in September. Britain’s economy, where output was up 3.2% in the year to June, is growing faster than any other big rich country’s. Central bankers are counting the days until they can raise interest rates.
Virtually everywhere else, however, the news is grim and getting grimmer. The euro zone, the world’s second-biggest economic area, seems to be falling from a feeble recovery back into outright recession as Germany hits the skids. Shockingly weak industrial production and export figures mean Germany’s GDP is likely to shrink for the second consecutive quarter—a popular definition of recession. Japan, the world’s third-biggest economy, may also be on the edge of a downturn, because April’s rise in the consumption tax is hurting spending more than expected. Russia’s and Brazil’s economies are stagnant, at best. Even in China, still growing at a suspiciously smooth 7.5% a year, there are worries about a property bust, a credit bubble and a fall in productivity
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They have health insurance, but still no peace of mind. Overall, 1 in 4 privately insured adults say they doubt they could pay for a major unexpected illness or injury.
A new poll from The Associated Press-NORC Center for Public Affairs Research may help explain why President Barack Obama faces such strong headwinds in trying to persuade the public that his health care law is holding down costs.
The survey found the biggest financial worries among people with so-called high-deductible plans that require patients to pay a big chunk of their medical bills each year before insurance kicks in.
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A Texas Health Presbyterian Hospital health care worker in Dallas who had “extensive contact” with the first Ebola patient to die in the United States has contracted the disease.
The Centers for Disease Control and Prevention in Atlanta confirmed the news Sunday afternoon after an official test.
The infected person detected a fever Friday night and drove herself to the Presbyterian emergency room, where she was placed in isolation 90 minutes later. A blood sample sent to the state health lab in Austin confirmed Saturday night that she had Ebola — the first person to contract the disease in the United States.
The director for the Centers for Disease Control and Prevention said Sunday that the infection in the health care worker, who was not on the organization’s watch list for people who had contact with Ebola patient Thomas Eric Duncan, resulted from a “breach in protocol.”
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Two major international companies put a huge stamp on the Lowcountry's economy last week.
French high-voltage cablemaker Nexans officially opened an $85 million facility on the Cooper River in Berkeley County in Bushy Park Industrial Complex on Wednesday, while Japan-based Showa Denko Carbon on Friday celebrated a $300 million expansion of its 31-year-old factory near Ridgeville in Dorchester County.
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Huge expansions in credit followed by crises and attempts to manage the aftermath have become a feature of the world economy. Today the US and UK may be escaping from the crises that hit seven years ago. But the eurozone is mired in post-crisis stagnation and China is struggling with the debt it built up in its attempt to offset the loss of export earnings after the crisis hit in 2008.
Without an unsustainable credit boom somewhere, the world economy seems incapable of generating growth in demand sufficient to absorb potential supply. It looks like a law of the conservation of credit booms. Consider the past quarter century: a credit boom in Japan that collapsed after 1990; a credit boom in Asian emerging economies that collapsed in 1997; a credit boom in the north Atlantic economies that collapsed after 2007; and finally in China. Each is greeted as a new era of prosperity, to collapse into crisis and post-crisis malaise.
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A standout member among the new-editions to this very elite club is 30-year old college dropout Elizabeth Holmes. Holmes reportedly “labored in secret” for almost a decade while developing a revolutionary new blood-testing technology. In 2003 she took her findings to the public and founded Theranos-- the company announced partnerships with Walgreens and other major drugstores to bring a new type of blood testing to consumers. Holmes’ technology calls only for a single finger-prick and a very small amount of blood for medical testing—as opposed to the full vial (or vials) of blood typically drawn for testing in most labs and medical offices. The prick is said to be painless and Theranos’ testing-methods only a fraction of the cost of commercial labs.
The biotech founder is the youngest self-made woman on the Forbes 400 list with a net worth of $4.5 billion. Holmes dropped out of Stanford University her sophomore year as a chemical engineering major and used her tuition money to found her company. Holmes’ tests do not have to be performed in a doctor’s office, and by skipping the big labs most results can be ready in a few hours. “She could totally overturn an entire industry if Theranos is as successful as it seems to be,” says Brown.
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