The Weather Station At The Top Of The World – Hackaday

The crown jewels of the Earths mountain ranges, the Himalayas, are unsurpassed in their beauty, their height, and their deadly attraction to adventurers, both professional and amateur. The gem of the Himalayas is, of course, Mount Everest, known as Sagarmatha to the Nepalis and Chomolungma to the Tibetans. At 8,848 meters (29,029 ft) or more; its a geologically young mountain thats still being thrust upward by tectonic activity its a place so forbidding that as far as we know the summit was never visited until 1953, despite at least 30 years of previous attempts, many of which resulted in death.

The conquest of Everest remains a bucket list challenge for many adventurers, and despite advances in technology that have made the peak accessible to more people or perhaps because of that more than 300 corpses litter the mountain, testament to what can happen when you take the power of Mother Nature for granted.

To get better data on the goings-on at the Roof of the World, an expedition recently sought to install five weather stations across various points on the route up Mount Everest, including one at its very peak. The plan was challenging, both from a mountaineering perspective and in terms of the engineering required to build something that would be able to withstand some of the worst conditions on the planet, and to send valuable data back reliably. It didnt all go exactly to plan, but its still a great story about the intersection of science and engineering.

Despite seven decades of exploration that have seen over 5,200 pairs of boots across its summit, Mount Everest remains very much a climatological mystery. There has never been a permanent weather station at the summit, in part because of the technical challenges that building and installing such a device entails. What little we know of conditions at the summit come by way of portable instruments lugged up by expeditions, with the deadly conditions up there making it impossible to stay around long enough to gather much more than a few readings of wind speed, pressure, and temperature. In addition, almost all Everest summit attempts occur during a very brief window lasting only a few weeks to as little as a few days out of every year.

The need for a permanent weather station on Everest is not just driven by the demands of adventure seekers. The Himalayas stand in a unique position to act as sentinels for a changing climate. By some estimates, nearly a quarter of the worlds population gets their drinking water from the glaciers nestled in and around the Himalayas, and knowing how those ice packs are responding to rising temperatures is critically important. But with so few weather stations above 5,000 meters, climatologists have to rely on remote sensing to build a picture of whats going on up there, and a skewed one at that.

Theres another bit of serendipity with the peak of Mount Everest: it actually reaches high enough to penetrate into the jet stream, those high-velocity air currents that meander around the globe. This partly explains the characteristically bad weather and high winds on the summit of Everest, the bane of most explorers. But jet stream winds also reveal a lot about the air masses that they typically form the boundary of, and hence are valuable tools for studying the climate. Jet stream winds are generally studied through the use of weather balloons, which can obviously only send back limited data. Having a permanent weather station sitting where it can directly monitor the jet stream will prove to be invaluable to climate researchers.

Having established the need for a network of Everest weather stations, The National Geographic and Rolex Perpetual Planet Everest Expedition took up the non-trivial task ofdesigning equipment that was up to the extreme conditions on the mountain. This would be an installation like no other, more akin to designing instruments for a space mission than for monitoring terrestrial weather. Even the most durable of commercially available, scientific-grade weather stations would pale by comparison to what the Everest summit stations would require.

The comparison to space exploration is apt on a number of levels. First, weight is a primary concern, since every gram of material used to build the station, plus all the tools and hardware needed to install it, would have to be lugged up the 8,800-meter peak using nothing but muscle power. That meant that the station would have to be broken into pieces to spread the load over multiple climbers. Also, just as a planetary spacecraft is repeatedly tested to ensure it will survive the forces of launch and landing, so too would the station have to be tested to ensure its survival in some of the harshest weather conditions this planet can dish out.

Another way the engineering of the weather station is similar to space exploration is in terms of power and communication. The Everest weather stations would need to be completely self-contained, which as a practical matter means solar power. That presents special challenges: a solar panel is large, flat, and offers a lot of sail area to the wind. Whats more, solar panels are notoriously fragile, and the winds on Everest are known to pick up chunks of gravel as they whip around. A solar power system would need to be built to survive this constant peppering with rocks. Also, the weather can be cloudy for weeks at a time on the summit, so a battery to store energy would also be required.

For communication, the Everest weather station took another page from the spacecraft engineers playbook: redundancy. Data from the station would have to be sent wirelessly, and so it was provided with redundant transmitters. In addition to the prominent high-gain Yagi antenna for the 400-MHz instrumentation and scientific measurement (ISM) band, which talks back to the weather station at the base camp, the summit station also supports data transfer via a Thuraya FT2225 M2M L-band satellite terminal.

Finally, in an environment where wind speeds can exceed 290 km/h (180 MPH), the station has to be able to be literally bolted down. The exact mounting location couldnt be easily surveyed in advance, so the legs and feet of the station were made adjustable for angles up to 50. In addition to having its feet bolted to the rock, the mast was provided with adjustable guy wires, again to be bolted to the rock, to keep the instrument mast secure and to keep the directional antennas pointing in the right direction.

After extensive testing by the manufacturer, Cambell Scientific Instruments, on New Hampshires Mount Washington, where the highest-ever wind speed was recorded (317 km/h, or 231 MPH), the five weather stations were shipped to Nepal in time for the spring 2019 climbing season. The team honed their installation procedure on the four lower-altitude stations before attempting the final assault on the summit station.

The expedition team was far from alone. The Nepali government had issued a record number of climbing permits in 2019, which resulted in over 700 climbers converging on the mountain for the 2019 season. By the time the team had made it to the South Col camp, the traditional last stop before attempting the summit, they were at the back of an enormous traffic jam of climbers desperate for their chance to stand on the summit, however briefly.

This paradoxical crush of humanity on the way to one of the least accessible spots on the planet presented a huge risk to the team. While getting a few seconds on the summit for a selfie was the goal of the hundreds of climbers in line ahead of them, the team would need something like three hours to install the weather station. They faced a tough choice: attempt the summit and face the possibility of having not enough oxygen bottles and not enough room to work, or settle for a spot lower down the mountain. They opted for the latter and selected a spot on the Southeast Ridge known as The Balcony, at 8,430 meters above sea level, that gave them the time and the room to work, while only being 450 meters shy of the summit.

Once the team selected the site for the station, they quickly ran into trouble. First, the batteries they brought along to power the cordless hammer drills needed to bolt the station to the rock were too cold to work. Warm armpits under thick mountaineering jackets thawed the batteries enough to get on with the work, but it soon became apparent that the very thing that made lugging everything up the mountain possible the ability to break the station into separate parts also caused them to leave a critical part behind. The masts to hold the wind sensors arguably the most critical instruments in the station had gone missing.

Even on the Roof of the World, hackers rule, and a solution to the expedition-ending problem was soon found. By an incredible stroke of good fortune, the team discovered that the handles of the lightweight aluminum snow shovels that they had brought along were about the same size as the missing parts. A Sherpa set to the task of disassembling the shovel and hammering the handle into submission, while the universal problem solver duct tape was applied to improve the fit. The fixes worked well enough to bolt everything down and power up the station to confirm it was operating before heading back down the mountain.

The Balcony station sent data back to the NGS for about nine months before something happened to knock it offline. Its not clear what caused the failure; the rest of the lower altitude stations are all still sending back data, so its something specific to the Balcony station. The station went offline in January, so it could be that the hacked instrument masts werent up to the fierce winter winds and were ripped off. Or perhaps the solar panels were destroyed by wind-borne gravel, or even fouled by some bit of cast-off climbing gear. The route up to the summit, after all, is not exactly pristine.

Unfortunately, the only way to be sure what happened to the Balcony station is to visit it, and while that should have been possible during the 2020 climbing season, the COVID-19 pandemic had other ideas. Nepal canceled all permits to climb the mountain in 2020, and access from the Chinese side has always been limited. A Chinese survey team did summit in May of 2020, but they approached along the Northeast Ridge, a route that didnt pass anywhere near the balcony.

With the climbing season now closed, the fate of the highest weather station in the world will remain a mystery until at least the spring of 2021. Hopefully its still up there, and can be brought back online with a simple fix. But the fact that it got up there in the first place and that it worked for nine months is a testament to the engineering that went into the whole effort.

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The Weather Station At The Top Of The World - Hackaday

Are rental properties or index funds better in pursuit early retirement? – AZCentral.com

Sam Swenson, CFA, CPA, The Motley Fool Published 4:00 a.m. MT Aug. 10, 2020

Its a great time to check up on your retirement plan. This is how you do it. Buzz60

FIRE (Financial Independence, Retire Early), a flourishing lifestyle movement, has crept its way into mainstream culture throughout the past decade. As we've seen the pandemic spark a renewed push for people to create more autonomy in their lives, there is continued debate about the most sensible way to invest if FIRE is your goal. Real estate proponents advocate for potentially robust monthly cash flow, price appreciation, and tax advantages, whereas index fund adherents cite minimal expenses, a lack of constant oversight, and efficient trading as reasons to invest. In reality, there are benefits to both strategies, which might lead you to consider a hybrid approach.

You'll hear FIRE proponents across the internet lauding the benefits of real estate investing, and in the right circumstances, you should listen. The benefits of direct investing in real estate are well documented: you'll receive stable monthly cash flow in the form of rent payments and will benefit from potential price appreciation of the property if you hold it long enough. In most cases you will need to take out a mortgage on the home and as the landlord, you are now responsible for maintenance, lock-outs, and taxes. The idea is to become "cash-flow positive"; that is, your monthly rent receipt on the property exceeds your monthly obligations to lenders and government entities.

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The true benefits of direct real estate investing accrue once you've built a portfolio of properties that can provide significant positive monthly cash flow as a reliable source of income. This cash flow can either be reinvested into other properties, spent on regular obligations, or invested in other financial instruments. Additionally, you will, in all likelihood, benefit from price appreciation on the properties over time, allowing you to greatly increase your on-paper net worth. Once you've paid off the mortgages, you'll only be required to pay your taxes and keep the properties in working condition from there, your path to FIRE will be significantly shortened.

(Photo: Getty Images)

There are many risks, however, with using real estate alone as a path to financial freedom. First, many real estate investors would agree that property management is a job in itself the process of finding tenants who are able to pay rent every month, especially during a global health crisis, is understandably quite challenging. If the time commitment is too much, you always have the option of investing indirectly in real estate with REITs (Real Estate Investment Trusts). Second, if you own a property in a high cost of living area, down payments can run in to the several-hundred-thousand-dollar range, making owning several properties or even one property a privilege reserved for only the very wealthy.

In addition, real estate can suffer from illiquidity issues in other words, you may not be able to sell your rental when you want, which of course will be when you need the cash most. It's important to distinguish that the process of buying an investment property is not the same as buying a primary residence the initial decision-making process, as well as the end goals, are significantly different.

Index funds are investment vehicles designed to provide diversified exposure to world stock indices, specific sectors, or focused themes. Some generate periodic dividends (usually quarterly), and most broad market indices have demonstrated measured but meaningful growth over the past century. The subtle beauty of index fund investing lies in its passive nature once you've selected a few funds that match your risk tolerance and asset allocation needs, there really isn't much more to it. Your focus can move away from investing and on to life's more important concerns: your career, your family, and whatever else to which you want to dedicate precious time.

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A primary difference between index funds and real estate is rooted in monthly cash flow. Investing in real estate has the potential to generate more stable cash flow on average. Speaking literally, this refers to more cash being paid directly to your bank account every month. The primary gains that accumulate to index fund investors are in the form of price appreciation, which comes as result of the market slowly churning up over time. Index fund investors often enjoy quick payouts from cash dividend payments, but they tend to be relatively small in nature when compared to rent receipts.

Many of the discussions in personal finance are focused on choices around investment vehicles and the relative merits of each. In the pursuit of building a complete portfolio that captures the maximum potential benefits available while also addressing identifiable risks, it seems prudent that both index funds and real estate should be included. This tends to become more achievable if you live in an area with low cost of living and have the time to manage real property while allowing your index investments to grow simultaneously. Regardless of where you live, a reasonable capital allocation that includes a variety of investments addressing different needs will supercharge your path to financial independence.

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Are rental properties or index funds better in pursuit early retirement? - AZCentral.com

Are Rental Properties or Index Funds Better in Pursuit of FIRE? – The Motley Fool

FIRE (Financial Independence, Retire Early), a flourishing lifestyle movement, has crept its way into mainstream culture throughout the past decade. As we've seen the pandemic spark a renewed push for people to create more autonomy in their lives, there is continued debate about the most sensible way to invest if FIRE is your goal. Real estate proponents advocate for potentially robust monthly cash flow, price appreciation, and tax advantages, whereas index fund adherents cite minimal expenses, a lack of constant oversight, and efficient trading as reasons to invest. In reality, there are benefits to both strategies, which might lead you to consider a hybrid approach.

Image source: Getty Images

You'll hear FIRE proponents across the internet lauding the benefits of real estate investing, and in the right circumstances, you should listen. The benefits of direct investing in real estate are well documented: you'll receive stable monthly cash flow in the form of rent payments and will benefit from potential price appreciation of the property if you hold it long enough. In most cases you will need to take out a mortgage on the home and as the landlord, you are now responsible for maintenance, lock-outs, and taxes. The idea is to become "cash-flow positive"; that is, your monthly rent receipt on the property exceeds your monthly obligations to lenders and government entities.

The true benefits of direct real estate investing accrue once you've built a portfolio of properties that can provide significant positive monthly cash flow as a reliable source of income. This cash flow can either be reinvested into other properties, spent on regular obligations, or invested in other financial instruments. Additionally, you will, in all likelihood, benefit from price appreciation on the properties over time, allowing you to greatly increase your on-paper net worth. Once you've paid off the mortgages, you'll only be required to pay your taxes and keep the properties in working condition -- from there, your path to FIRE will be significantly shortened.

There are many risks, however, with using real estate alone as a path to financial freedom. First, many real estate investors would agree that property management is a job in itself -- the process of finding tenants who are able to pay rent every month, especially during a global health crisis, is understandably quite challenging. If the time commitment is too much, you always have the option of investing indirectly in real estate with REITs (Real Estate Investment Trusts). Second, if you own a property in a high cost of living area, down payments can run in to the several-hundred-thousand-dollar range, making owning several properties or even one property a privilege reserved for only the very wealthy.

In addition, real estate can suffer from illiquidity issues -- in other words, you may not be able to sell your rental when you want, which of course will be when you need the cash most. It's important to distinguish that the process of buying an investment property is not the same as buying a primary residence -- the initial decision-making process, as well as the end goals, are significantly different.

Index funds are investment vehicles designed to provide diversified exposure to world stock indices, specific sectors, or focused themes. Some generate periodic dividends (usually quarterly), and most broad market indices have demonstrated measured but meaningful growth over the past century. The subtle beauty of index fund investing lies in its passive nature -- once you've selected a few funds that match your risk tolerance and asset allocation needs, there really isn't much more to it. Your focus can move away from investing and on to life's more important concerns: your career, your family, and whatever else to which you want to dedicate precious time.

A primary difference between index funds and real estate is rooted in monthly cash flow. Investing in real estate has the potential to generate more stable cash flow on average. Speaking literally, this refers to more cash being paid directly to your bank account every month. The primary gains that accumulate to index fund investors are in the form of price appreciation, which comes as result of the market slowly churning up over time. Index fund investors often enjoy quick payouts from cash dividend payments, but they tend to be relatively small in nature when compared to rent receipts.

Many of the discussions in personal finance are focused on choices around investment vehicles and the relative merits of each. In the pursuit of building a complete portfolio that captures the maximum potential benefits available while also addressing identifiable risks, it seems prudent that both index funds and real estate should be included. This tends to become more achievable if you live in an area with low cost of living and have the time to manage real property while allowing your index investments to grow simultaneously. Regardless of where you live, a reasonable capital allocation that includes a variety of investments addressing different needs will supercharge your path to financial independence.

Continue reading here:

Are Rental Properties or Index Funds Better in Pursuit of FIRE? - The Motley Fool

Financial Focus: How can you prepare for the new retirement? – The-review

A generation or so ago, people didnt just retire from work many of them also withdrew from a whole range of social and communal activities. But now, its different: The large Baby Boom cohort, and no doubt future ones, are insisting on an active lifestyle and continued involvement in their communities and world. So, what should you know about this "new retirement"? And how can you prepare for it?

For starters, consider what it means to be a retiree today. The 2020 Edward Jones/Age Wave Four Pillars of the New Retirement study has identified these four interrelated, key ingredients, along with the connected statistics, for living well in the new retirement:

Health While physical health may decline with age, emotional intelligence the ability to use emotions in positive ways actually improves, according to a well-known study from the University of California, among others. However, not surprisingly, retirees fear Alzheimers and other types of dementia more than any physical ailment, including cancer or infectious diseases, according to the "Four Pillars" study.

Family Retirees get their greatest emotional nourishment from family relationships and theyll do anything it takes to help support those family members, even if it means sacrificing their own financial security. Conversely, retirees lacking close connections with family and friends are at risk for all the negative consequences resulting from physical and social isolation.

Purpose Nearly 90% of Americans feel that there should be more ways for retirees to use their talents and knowledge for the benefit of their communities and society at large. Retirees want to spend their time in useful, rewarding ways and theyre well capable of doing so, given their decades of life experience. Retirees with a strong sense of purpose have happier, healthier lives and report a higher quality of life.

Finances Retirees are less interested in accumulating more wealth than they are in having sufficient resources to achieve the freedom to live their lives as they choose. Yet, retirees frequently find that managing money in retirement can be even more challenging than saving for it. And the "unknowns" can be scary: Almost 70% of those who plan to retire in the next 10 years say they have no idea what their healthcare and long-term care costs will be in retirement.

So, if youre getting close to retirement, and youre considering these factors, how can you best integrate them into a fulfilling, meaningful way of life? Youll want to take a "holistic" approach by asking yourself some key questions: What do you want to be able to do with your time and money? Are you building the resources necessary to enjoy the lifestyle youve envisioned? Are you prepared for the increasing costs of health care as you age? Have you taken the steps to maintain your financial independence, and avoid burdening your family, in case you need some type of long-term care? Have you created the estate plans necessary to leave the type of legacy you desire?

By addressing these and other issues, possibly with the help of a financial professional, you can set yourself on the path toward the type of retirement thats not really a retirement at all but rather a new, invigorating chapter of your life.

This article was written by Edward Jones for use by your local Edward Jones financial advisor.

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Financial Focus: How can you prepare for the new retirement? - The-review

Between a Rock and a Hard Place: Being Young in the Time of the Covid-19 Crisis – World – ReliefWeb

FROM: ZENEBE B. URAGUCHI 09. AUGUST 2020

Young people have entered the Covid-19 crisis in a different state of vulnerability. Perhaps the pandemic and its exposure to economic and social injustices may be a reason for a righteous rage for more action and intergenerational justice. Without being an alarmist, a new lockdown generation with long boiling grievances will more likely lead to widespread social unrest.

From education to employment, then towards economic and financial independence, or to establishing their own family, to getting the right to vote This was the dream of most young people before the arrival of the Covid-19 pandemic.

Young people may be slightly more resilient than other age groups or those with severe underlying health conditions. But economic insecurity and the educational fallout will affect the youth the most for years to come. Young people who are not in employment, education, or training (NEET), who live in remote areas and are displaced are particularly vulnerable.

According to a recent study, more than 100 million young adults are still living in extreme poverty. As the figure below from the Brookings Institution shows, the majority of poor young people are in Africa. There seem to be a few positive changes, alarmingly, between now and 2030.

It is sometimes difficult to find a few words of reassurance. Who knows, it is also possible that a breakdown of dreams may also be a chance for a breakthrough. Our hope shouldnt fade as we celebrate on 12 August the International Youth Day. This years theme is Youth Engagement for Global Action.

Counting the immediate costs

The Covid-19 pandemic is a big deal for vulnerable groups like the youth. There are considerable risks for them in the fields of education, employment, mental health, and disposable income.

Around the globe, youth are not attending school or university because of temporary or indefinite closures. Some have moved to online platforms. Yet, accessing knowledge is not a click away. For many, fewer educational opportunities exist beyond school. The disruption carries high social and economic costs.

Working parents are more likely to miss work when schools close. Most schools will also likely face significant budget cuts because of the economic downturn. Once disrupted, dropout rates tend to increase when schools reopen. Above all, young people also find schools as crucial hubs of social activity and human interaction.

It is not pretty.

Well before the Covid-19 crisis, young people made up the largest number of the unemployed. They faced with very limited opportunities for employment and career development for a long time. Now, among those who managed to get employment, younger workers are often the first to have their hours cut or be laid off. We are experiencing this in Eastern Europe. Youth tend to work more in sectors, such as retail and hospitality, most affected by the lockdown measures.

For recent and this-year graduates and for people who were unemployed before the crisis, the time ahead will be especially difficult. That will intensify existing aspirations of youth to migrate to the developed countries that also face worsening economic conditions and the rise of anti-immigration sentiments.

Faced with uncertainty, young people are experiencing severe psychological distress. The Johns Hopkins Bloomberg School of Public Health found over a threefold increase in psychological distress among young adults aged 18-29. Poor mental health is strongly associated with social and economic circumstances, not just because of the fear of the Covid-19 pandemic.

Shouldering much of the long-term economic and social consequences

Young people were able to demonstrate remarkable resilience amid economic uncertainties. The 2008 financial crisis is a good example. It may be a false comparison between the 2008 financial crisis and the current Covid-19 pandemic and its impacts. Before the pandemic, young people were already three times more likely to be unemployed compared to adults.

There are plenty of reasons to believe that the real risk that inequalities and social deprivation will increase due to the Covid-19 pandemic. New inequalities will widen most likely affecting vulnerable youth. Out of the 1.3 billion young people worldwide, 85% live in developing countries and almost 50% live in fragile and conflict-affected areas. Over 1 in 6 young people worldwide have stopped working since the start of the crisis, according to the ILO.

With the loss of hopes, young people are the ones that opt for leaving their countries in search of better opportunities. Past crises are good reminders: socio-economic gaps between young people, and across generations, become more profound during and after the crises. Yet, leaders in richer countries often use crises like the pandemic as a reason to tighten borders. The pandemic is becoming a target for very emotive arguments and electorally powerful messages.

Also, unconditional bailouts by governments to private sector enterprises have been questionable as they did not lay the foundation for a more inclusive recovery and long-term development. Few people benefit from such bailouts as happened during the 2008 financial crisis while many others like the youth will fall behind.

Doing our share

A more inclusive world will not emerge as if by magic; we must seize the moment of the recovery efforts to improve or build a system for shared prosperity. At Helvetas, a Swiss development organization, we have been partnering with multi-stakeholders to support young women and men to break the cycle of poverty and exclusion. There are examples from Albania to Kyrgyzstan, Tanzania, and other countries.

In many instances, solutions proposed to tackle the challenges of young women and men did not work or had a limited impact. This was mainly because many development initiatives do things by themselves and therefore become part of the systems. For example, in Eastern Europe, Helvetas is facilitating future-oriented endeavors to address systems that themselves produce, uphold, and improve growth-oriented services, policies, and regulations.

We work in partnership with not only the private sector but also with other development organizations, public-sector actors, and civil society organizations. Different systems that are critical for young people to benefit meaningfully need a ventilator at the moment, but the systems also need the immunity resilience to adapt and innovate in the future.

We are taking ad hoc measures to address the fallout from the pandemic. The challenge often, however, is the lack of attention to a crisis in a more systematic way with a medium to long-term perspective. This is where Helvetas sees opportunities to contribute to minimizing the impacts on young people by searching for innovative solutions different systems from education to inform, investments in different sectors as well as the enabling policy environment. You can read about specific examples of how are doing this in our inclusive systems blog series.

The COVID-19 crisis has demonstrated how complexity creates more uncertainties. The systems in which development work takes place are complex adaptive systems. This means that designing, implementing, and monitoring/measuring development projects isnt about following checklists or formulae. We are increasingly creating, as can be seen in this blog, enablers for supporting adaptation, and innovation (e.g. Investments, flexibility in financial and administrative requirements).

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Between a Rock and a Hard Place: Being Young in the Time of the Covid-19 Crisis - World - ReliefWeb

39% of younger millennials say the Covid-19 recession has them moving back home – CNBC

Nearly 3 out of 4 younger millennials are concerned that the coronavirus pandemic will impact their finances, with 57% saying that Covid-19 derailed their plans for financial independence.

For many, those plans include having their own place. But 39% of younger millennials (defined here as ages 24 to 29) say they are either planning to or have already moved back in with their parents because of the economic downturn, according to a recent survey of over 2,000 young adults conducted by TD Ameritrade.

Even some of those who haven't made the move home are still getting help. About 15% of younger millennials say their parents are paying part of their rent, while another 15% say their parents are covering all of their housing costs.

Despite their appreciation for the support, 82% of young millennials say they don't want to rely on their parents financially. In fact, most younger millennials say that before the pandemic hit, they became, or expected to become, completely financially independent by 29. Additionally, most felt that by 28 it was embarrassing to be receiving financial help from their parents.

While moving back in with your parents would normally be considered a setback for many, times are not normal, says personal finance author Bobbi Rebell, host of the Financial Grownup podcast. Some people may be moving back home for financial reasons, but there are also those heading home for other reasons, such as to help their parents or to be in a safer or more controllable environment than they would be in with a roommate.

"If ever there was a time that you would not be judged in a negative way, this is it," says Rebell, who is also a personal finance expert for debt management appTally. There are upsides to being with family during these challenging times, including saving money on housing expenses and other living costs, being able to help your family and getting to know your parents as an adult, Rebell adds.

If you're stressed about your finances right now, Rebell suggests doing a self-audit of where your monthly budget and income currently sit. Are you living within your means? Are there expenses you can trim? "Look for the gaps," she says. "If you are employed or have not had any change in your income, think about adjustments you might want to make in case that changes."

It's also a good time to build up your emergency fund. Financial experts recommend having three to six months of living expenses saved up. If you still have income coming in, prioritize putting a bit more toward saving if you can, especially if your expenses are lower because of the pandemic."Cash is king these days and you will sleep better at night knowing money is there if something goes wrong," Rebell says.

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Beyond saving more, it may make sense to explore diversifying your income streams, Rebell says. Look for other ways to make money beyond your current job or unemployment benefits. In some states, you may be able to work part-time and still claim unemployment.

You may be able to find paid tasks such as doing yard work, helping with moves, making deliveries or performing ongoing handyman gigs through sites like NextDoor and TaskRabbit. You can also consider putting your skills and hobbies to use. Can you tutor online? Or sell some handmade items?

"Working more might be the last thing you want to do now, but given the economic risks we are all facing, it makes sense to create another income stream," Rebell says. "The key is to find something you can do that is unlikely to be impacted if your primary income goes away or is reduced."

At the end of the day, younger generations shouldn't beat themselves up if they're not exactly where they want to be financially right now,Rebell says. Most are struggling and it's OK. "Unlike previous recessions, this one came on out of the blue and shut down entire industries overnight. No one is safe," she says.

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39% of younger millennials say the Covid-19 recession has them moving back home - CNBC

Pandemic is heightening stress over the $1.9 million retirement number. How you can save more – CNBC

The top source of financial stress is saving enough for a comfortable retirement, a worry that is trending upward as a result of the pandemic, according toa newly released nationwide survey by Charles Schwab of 1,000 currently employed 401(k) plan participants between the ages of 25 and 70.

The survey, conducted between May 28 and June 11, 2020, by Logica Research for Schwab Retirement Plan Services, revealed that Americans think they'll need to save $1.9 million on average to retire. This is up 12%, from$1.7 million in 2019.Millennial and Gen X savers were slightly more ambitious, putting their target at $2 million, while boomers said they'll need about $1.6 million.

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Yet many believe their retirement goals are out of reach. Thirty-seven percent feel they are "very likely" to achieve their retirement savings goals, nearly half (49%) report they are "somewhat likely" to achieve their retirement savings goals, and 14% say it is "not likely" they will achieve their goals at all. One in five (21%) expects to retire later than originally planned because of the economic fallout from the pandemic.

As a result, the stress from the pandemic has led many to make some money moves:Forty-one percent of survey respondents made changes to their 401(k) as a direct result of the economic impact of Covid-19. Of the 41% who acted, 14% rebalanced their portfolio and 12% increased their contribution rate.

2020 401(k) Participant Study conducted for Schwab Retirement Plan Services by Logica Research

"Times like this make people a little more engaged," saysNathan Voris, managing director for Schwab Retirement Plan Services.

Having a "magic number" in mind may motivate some 401(k) savers to be more disciplined about rebalancing their portfolios and making regular contributions, financial advisors say.

Experts suggest that if you have the means to raise your 401(k) contributions right now, do it. In 2020 the maximum contribution limit for a 401(k) plan is $19,500. If you're age 50 or older, you can add another $6,500 to your account with a "catch-up" contribution.

"If you're already on track to max out your 401(k), then maybe you want to put some of that money in a brokerage account," said certified financial planner Lazetta Rainey Braxton, co-founder of 2050 Wealth Partners and a member of the CNBC Financial Advisors Council. "The good thing about a brokerage account is it gives you liquidity. If you need to sell, you can sell and get funds from your account. It is subject to the market, but the good news is, there is no penalty for taking withdrawals from your brokerage account."

Federal legislation aimed at providing financial relief during the Covid-19 crisis also now allows for penalty-free withdrawals from a 401(k) account this year. If your employer allows it, under the CARES Act, you can take a "coronavirus-related distribution" of up to $100,000 from a 401(k) plan until December 31, 2020, and you won't have to pay an early withdrawal penalty if you are under age 59 1/2.

Thirty-seven percent feel they are "very likely" to achieve their retirement savings goals, nearly half (49%) report they are "somewhat likely" to achieve their retirement savings goals, and 14% say it is "not likely" they will achieve their goals at all.

Schwab Retirement Plan Services 2020 Survey

Given many Americans' worries about jobs, daily finances and the growing concern about how to make ends meet during the Covid-19 crisis, financial planning may put too much focus on retirement goals, said Tim Maurer, director of advisor development at Buckingham Wealth Partners. "It's almost as if every recommendation in a financial plan is serving the sacred cow of an extended, blissful, effortless retirement. I'm all for reaching financial independence, but making financial planning solely about deferred gratification means that the practice adds very little value to our todays."

"To many people, the dollar we can see today is more valuable than the dollar for tomorrow or 30 or 40 years in the future," said Maurer, a member of the CNBC Financial Advisors Council.

"Do most people need to save more? Yes," he says. "The way to do that may be figuring out what's more important to them today and get them to envision what life will look like in the future."

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Pandemic is heightening stress over the $1.9 million retirement number. How you can save more - CNBC

Want $10,000? Just Invest $1,000 in These Great Stocks and Wait – Motley Fool

For more than five months, Wall Street and investors have dealt with some of the wildest vacillations in stock market history. The coronavirus disease 2019 (COVID-19) pandemic initially lopped 34% off of the benchmark S&P 500 in less than five weeks. Then, during the second quarter, the broad-based index turned in its best quarter since 1998.

If you're a short-term trader, it's probably been a nauseating ride. But for long-term investors, it's just another bump in the road to reaching financial independence. That's because every single stock market correction in history has eventually proved to be an opportunity to buy great stocks at a discounted price. The same will eventually be said for the coronavirus pandemic bear market.

But picking out great stocks to buy is only half the challenge. Holding onto these positions for lengthy periods of time is the other half of the formula needed to generate significant returns.

Image source: Getty Images.

In other words, if you want to $10,000, all you need to do is simply invest $1,000 into great stocks and wait. Here are four great stocks that offer investors true multi-bagger potential.

If its second-quarter operating results are a guide, social media site Pinterest (NYSE:PINS) is going to become a monster in the years to come.

Though it might seem like social media is an easy formula to get right, user growth tends to slow or stall for most platforms after a few years. That's not been the case for Pinterest, which recorded 39% monthly active user (MAU) growth from the prior-year period, ended June 30. With 416 million MAUs, Pinterest's ad-pricing power continues to grow. Plus, with many of these new MAUs hailing from overseas markets, there's the opportunity to double, triple, or quadruple average revenue per user in the years to come.

But what makes Pinterest such an intriguing long-term hold is the role it'll play in the specialized e-commerce space. With its users willingly sharing their interest, hobbies, and ideas online, it only makes sense for Pinterest to allow small businesses to target these interests. Having partnered with e-commerce platform Shopify, Pinterest is giving small businesses all the tools necessary to turn passive engagement online into action.

Pinterest is the type of company that shouldn't have a problem growing at a double-digit rate for the next 10 years.

Image source: Getty Images.

Don't let it's more than 400% run higher in 2020 scare you away -- healthcare solutions provider Livongo Health (NASDAQ:LVGO) is a volcano that's just clearing its throat.

A big theme this decade is going to be the push toward precision medicine and/or telemedicine. Therapies and devices that are tailored to individual patient needs are expected to thrive; and this is precisely what Livongo is targeting. By incorporating artificial intelligence and collecting mountains of patient data, Livongo is aiming to send tips and "nudges" to its members with chronic illnesses to elicit long-lasting behavioral changes. In other words, it's helping people with serious illnesses stay on top of their disease and live healthier lives.

But this isn't just a feel-good mission statement with no teeth. There are real growth figures to back up its goals. Livongo has seen its Diabetes member patient count at least double on a year-over-year basis in each of the past couple of years, and the company has delivered two consecutive quarters of a surprise profit. What's so impressive about these two quarterly profits is that Livongo is generating income despite only having signed up 0.95% of U.S. diabetes patients -- a little north of 328,000 Diabetes members compared to 34.2 million people in the U.S. with diabetes.

With Livongo Health pivoting its healthcare solutions platform to weight management and hypertension, among other chronic illnesses, it could have a potential addressable market in the U.S. of more than 40% of all adults, in my view. That makes it a near-surefire long-term winner.

Image source: Square.

Investors almost certainly can't go wrong investing $1,000 into fintech stock Square (NYSE:SQ) and letting their money ride for a long time to come. As the war on cash kicks into high gear, Square is going to become a clear-cut beneficiary two different ways.

First of all, Square should see relatively steady growth in gross payment volume (GPV) crossing its seller ecosystem network throughout the decade. Last year, Square saw $106.2 billion in GPV traverse its network. But what stood out was that 52% of GPV in the coronavirus-challenged first-quarter was derived from larger merchants (defined as having an annualized GPV of at least $125,000). Square is a company that's been historically known for providing a processing platform for small and medium-sized businesses. If larger merchants are beginning to latch on, the sky becomes the limit when it comes to fee collection and lending potential.

The other exciting aspect of Square is the company's peer-to-peer payment platform Cash App, which set records for monthly signups in both March and April. Mind you, this comes after MAUs more than tripled from 7 million, to end 2017, to 24 million, to end 2019. Square has all sorts of ways to make money off of Cash App users, via merchant fees, expedited transfer fees to and from a bank account, and bitcoin exchange fees. Within a few years, Cash App should become Square's primary profit driver.

According to Wall Street, Square's revenue is expected to more than quadruple between 2019 and 2023, which makes it one of the fastest growing publicly traded companies.

Image source: Getty Images.

A final way to get $10,000 by investing only $1,000 is by purchasing surgical system developer Intuitive Surgical (NASDAQ:ISRG).

Intuitive Surgical's da Vinci surgical system has been the go-to resource for assistive robotic soft tissue surgeries for the past two decades. The company had 5,764 of its da Vinci systems installed worldwide, as of June 30, which is far more than any of its competitors, combined. What's more, big-name potential competitor Johnson & Johnsonhas run into a snag in its efforts to launch competing surgical systems. This just means Intuitive's already mammoth lead in surgical systems will extend even more.

The beauty of Intuitive Surgical's business model is that it's built to generate improved operating margins over time. The initial sale or lease of a pricey da Vinci system ($0.5 million to $2.5 million) doesn't do a whole lot for Intuitive Surgical considering how intricate and expensive these systems are to build. Rather, the bulk of the company's operating margin is derived from selling instruments and accessories with each procedure, as well as in servicing these systems. Thus, the more systems installed worldwide, the greater the percentage of total sales being derived from these higher-margin channels.

And don't overlook that robotic-assisted surgeries are still just taking off. Intuitive Surgical may hold the lion's share of gynecology and urology surgeries, but there's a huge runway to gain additional share in thoracic, colorectal, and general soft tissue surgeries. Similar to the companies listed above, a double-digit annual growth rate is the expectation.

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Want $10,000? Just Invest $1,000 in These Great Stocks and Wait - Motley Fool

Tony Blair convinced Ireland to join euro now Dublin must get out or sail into disaster – Daily Express

Ray Bassett, the former Irish ambassador to Canada, Jamaica and the Bahamas, believes Ireland needs to give serious consideration following in the UK's footsteps with Irexit. He says a courageous decision will be required to deliver financial independence in parallel. Mr Bassett outlines his ideas about Irexit, and the eurozone, in his new book, Ireland and the UK Post Brexit.

Explaining Ireland's decision to sign up for the Euro in 2002, he said: "The differences of opinion in London between then Prime Minister Tony Blair and his Chancellor Gordon Brown were put down to petty political turf wars.

"In Ireland, we had great admiration for Blair, who had helped deliver the Good Friday Agreement and in a manner which no other British Prime Minister would have been capable of doing.

"Blair was very pro-euro and this only reinforced the Irish Government's view that the euro was a desirable place to be.

"The arguments that Brown articulated, which now look very sound, were given no real hearing.

"Ireland, forfeited with the assurances from Tony Blair that it was on the right course, with its enthusiastic commitment to the European project, sailed on and into disaster."

Mr Bassett, who emphasised the approach continued under former Taoiseach Leo Varadkar, said there had been little doubt in political circles about the wisdom of joining the monetary union - and very little actual analysis.

READ MORE:North Korea prostitution conspiracy - Kim Jong-un EXECUTES officials

He added: "While working inside the Irish Civil Service, I remember, in the build-up to our joining, there was a steely determination in political circles to show the world that, in contrast to the British, we were good Europeans.

"There was even a feeling of smugness at the time, that the UK, for internal political reasons was not joining but no doubt would be forced to sign up later.

"This complacent attitude was to wreak havoc on our economy during the crash.

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"It would not be the last time we totally misjudged political developments in Britain."

In reference to the scepticism of other countries when it came to the euro, Mr Bassett pointed to the Dutch Parliament's unanimous vote, in 2017, to hold an enquiry into the country's future relationship with the euro.

He added: "This did not mean that the Netherlands was going to ditch the Euro in the short term, but it does reflect the dissatisfaction with the common currency in that country."

Significantly, the Dutch, as a prominent member of the so-called Frugal Four, which also includes Austria, Sweden and Denmark, were deeply uncomfortable with the 677million coronavirus rescue plan approved by the European Council last month.

With reference to Italy, where Gianluigi Paragone last month launched his No Europe for Italy Party, modelled on Nigel Farage's Brexit Party, Mr Bassett said: "The Italian general election of 2018 represented an electoral earthquake as the Italian political landscape was reshaped radically.

"Any decision by Italy to drop the euro, something which is probably necessary to revive its economic growth, would seriously endanger the future of the eurozone."

In terms of Ireland itself's future, Mr Bassett conceded: "It would be the height of irresponsibility for any Irish administration not to have well developed plans to depart the euro, giving its underlying weakness.

"There will, of course, be possible emergency measures, on file, ready in case of implosion, but the Government needs, in addition, to look strategically at how it could escape this straitjacket, especially now that the UK has departed the EU."

He concludes: "In the final analysis, it was a profoundly political act to take Ireland into the euro and it will take a profoundly political decision, with courage, to take us out."

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Tony Blair convinced Ireland to join euro now Dublin must get out or sail into disaster - Daily Express

Brexit LIVE: No10 vows action on illegal French fishers -‘Independence WILL be respected!’ – Daily Express

Boris Johnson's official spokesperson has said the Government will ensure the UK's "status as an independent coastal state is properly respected" from next year. When quizzed how Britain will prevent illegal fishing in UK waters, the Downing Street official said: "We will ensure whatever agreement we reach with the EU on fishing rights, or indeed if we are unable to reach one, we will make sure our status as an independent coastal state is properly respected.

It comes as Sir Iain Duncan Smith, the former Tory leader, said it was vital David Frost continues to champion UK sovereignty in the talks, as the issue was fundamental to many Brexit voters.

The Brexiteer highlights this in a recent Express.co.uk comment piece, where he points out most people who voted to leave the EU did so to return sovereignty to the UK.

The Tory MP said a poll conducted by Lord Ashcroft on the day of the 2016 EU referendum found nearly half of leave voters said the biggest single reason for wanting to leave the EU was the principle that decisions about the UK should be taken in the UK.

The survey found only a third said the main reason was to regain control over immigration and its own borders.

When discussing the current trade talks, Sir Iain wrote: Importantly, David Frost, Boriss chief negotiator made it clear he agreed when he wrote that in the negotiations, the UK places sovereignty above all else.

It is in that context that the issue of how these outstanding payments to the EU impinge on the UKs sovereignty which matter now.

The Brexiteer urges Mr Frost to walk away from the talks if the UKs sovereignty risks being impinged.

He said: The WA was always work in progress as at the end of this year, the UK has a right to a comprehensive agreement, one which treats the UK as a sovereign partner.

A failure to observe this must lead to a rejection of the WA.

FOLLOW EXPRESS.CO.UK FOR LIVE UPDATES:

9.30pm update: As businesses open again in Northern Ireland, employment levels fall creating insecurity about future amid post-Brexit condtions.

Business activity in Northern Ireland picked up last month, but employment levels are continuing to fall.

Private sector firms are asked about output, staffing levels and exports amid uncertainty over Brexit.

9.00pm update: University numbers for 2020 and 2021 are predicted to collapse.

There will be a large amount of overseas students not wishing to travel to the UK. There is also a reluctance amoungst UK based students opting to not wish to pay tuition fees for online courses.

8.00pm update:Brexit may offer the UK the opportunity to draw up new laws for dealing with migrants crossing the Channel illegally.

More than 4,000 people are believed to have made the journey so far this year, some of them vulnerable individuals including young children, pregnant women and disabled people.

The Prime Minister's official spokesman said: "We are currently bound by the Dublin Regulations for returns and they are inflexible and rigid, for example, there is a time limit placed on returns, it's something which can be abused by both migrants and their lawyers to frustrate the returns of those who have no right to be here."

7.00pm Boris Johnsons "lucrative" post-Brexit trade deals cast into doubt, study claims

Institute for Government has suggested a lack of vision by Westminster over its post-Brexit trade priorities meant that other countries had the upper hand at the negotiating table.

6.30pm update: UK-EU have still some way off from reaching a post-Brexit trade agreement.

After the latest negotiations in London EU chief negotiator Michel Barnier declared a deal looked "at this point unlikely" given the UK position on fishing rights and post-Brexit competition rules.

6.00pm UK Japan trade deal could increase Britain's trade with the country by15bn per year.

Japanese Foreign Minister Toshimitsu Motegi said there was "substantial" agreements in areas such as financial and digital services.

4.40pm update:The UK Government has pledged 355 million help Northern Irish businesses adjust to Brexit.

A support package has been unveiled to help firms with bureaucracy of moving goods across Irish Sea. Michael Gove said 200m would be spent on a trader support service to help firms handle new bureaucracy to move goods across the Irish Sea, turning the government into a de facto customs agent for traders.

A further 155m will be spent on digital technology to streamline processes required by the new internal border.

4.00pm update: Major recession warning for the UK.

Coronavirus lockdown is set to shrink the UK's GDP by 21percent in second quarter. This is the first time the UK has slipped into recession sincethe 2008 financial crisis.

2.44pm update:Brexit will allow UK to draw up a new framework for dealing with migrants

The Prime Minister's official spokesman said: "We are currently bound by the Dublin Regulations for returns and they are inflexible and rigid - for example, there is a time limit placed on returns, it's something which can be abused by both migrants and their lawyers to frustrate the returns of those who have no right to be here.

"At the end of this year we will no longer be bound by the EU's laws so can negotiate our own returns agreement.

"The Home Office continue to look at all available options to tackle this issue."

1.53pm update:Brexit POLL: Should UK form 'superpower' alliance with Australia, Canada and New Zealand?

Britain could form a superpower alliance with the old Commonwealth allies of the UK, Canada, Australia, and New Zealand after Brexit, a historian has claimed.

The UK could be one step closer to forming the CANZUK Union", the acronym for Canada, Australia, New Zealand, and the UK after it finally unshackle itself from the bloc, four years after it voted to leave.

Historian Andrew Roberts described how the superpower nations whose majority of people speak English could form an alliance to be a free trade zone with the free movement of people.

Express.co.ukis asking you should the UK form new superpower alliance with Australia, Canada and New Zealand?VOTE HERE.

1pm update:Tony Blair convinced Ireland to join euro - but now it must get out, says expert

Ireland was convinced to join the euro by former UK Prime Minister Tony Blair - but now it needs to show courage to free itself from the "straitjacket" of the single European currency, an Irish diplomat has claimed.

Ray Bassett, the former Irish ambassador to Canada, Jamaica and the Bahamas, believes Ireland needs to give serious consideration following in the UK's footsteps with Irexit.

He says a courageous decision will be required to deliver financial independence in parallel.

Mr Bassett outlines his ideas about Irexit, and the eurozone, in his new book, Ireland and the UK Post Brexit.

11.27am update:Boris will struggle to secure lucrative trade deals, study warns

Boris Johnsons promise of lucrative post-Brexit trade deal is on course to fail, a study has warned.

The Institute for Government said Britain has failed to agree what it wants from trade negotiations, giving other countries the other hand.

The think tank criticises the unforced error of launching into complex trade talks before ministers have decided what they want their post-Brexit regulations to be.

Maddy Thimont Jack, a senior researcher, said: Three years ago, we warned that the Government had not set up the necessary structures for effective decision making on key trade policy issues.

The government did not heed that warning then, but it now needs to move urgently to put them in place.

"Otherwise it will find itself losing control of trade and regulatory policy to better-prepared partners.

9.53am update: UK urged to protect healthcare rights post-Brexit

The UK has been urged to ensure healthcare arrangements, such as the EHIC, are included in a post-Brexit trade deal with the EU.

Sam Lowe, a senior research fellow a the eCentre for European Reform, wrote on Twitter: "The thing is, yes - the UK absolutely should be trying to negotiate reciprocal healthcare provisions as part of the future partnership between the EU and UK.

"UK has decided to take the bizarre approach to the negotiations of claiming it doesnt really want anything special from the agreement when it should (and it does)."

Commentators have warned that without such a scheme in place British holidaymakers with existing health conditions may have to fork out hundreds of pounds for travel insurance.

Travellers over 65 can also expect an increase in premiums.

9.33am update:Brexit Britain could form NEW superpower alliance with Australia, Canada and New Zealand

Brexit Britain could form a federation with Canada, Australia, and New Zealand to create a superpower" after fully cutting ties with the EU, a historian has claimed.

Historian Andrew Roberts described the federation of nations whose majority of people speak English could be a free trade zone with the free movement of people.

The idea is based on the concept of the "CANZUK Union", this being the acronym for Canada, Australia, New Zealand, and the United Kingdom.

The union could have a mutual defence organisation and combined military capabilities, the historian claimed.

According to Mr Roberts, the "CANZUK" union would be the fourth-largest economy in the world.

9am update:FTSE-100 shares rose on hopes of Brexit deal

London-listed shares rose on Monday, due in part to renewed hopes of a Brexit trade deal with the EU.

The FTSE-100 was up 0.8 percent, with the mid-cap FTSE-250 also up 0.7 percent - a seven-week high.

Traders are hopeful of a Brexit trade deal after Britain's top minister overseeing negotiations said on Friday he was confident of an agreement with the EU.

Stocks also rose in response to optimism around a post-pandemic economic rebound in China.

8.07am update:Ireland must take a long hard look at Brussels membership

Ireland has been tipped to follow the UK's lead and quit the European Union by a former Irish diplomat who called for "a long hard look" at whether the country's membership of the bloc was worth it.

Ray Bassett pulls no punches in his new book, 'Ireland and the EU Post Brexit', suggesting the benefits bestowed on Dublin by Brussels are drying up, with "difficult choices" on the horizon.

In his book, he writes: "We need a long hard look at our EU membership and pose the question, is it worth the price?"

"The billionaire businessman, George Soros, an ardent europhile, has accepted the inevitable and predicted that unless the EU reforms it will perish.

"The pipe dreams of Emmanuel Macron and his proposals for even a more centralised EU are vanishing against the cold reality of the desire for the citizenry of EU Member States for national sovereignty.

"The disastrous showing of the establishment centre-right and centre-left parties in the 2019 European Parliament elections demonstrated this in a very direct way."

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Brexit LIVE: No10 vows action on illegal French fishers -'Independence WILL be respected!' - Daily Express

Nearly $1 Million In Federal Funds To Provide Housing To Victims Of Human Trafficking In Maryland – Bay Net

BALTIMORE, Md. U.S. Attorney Robert K. Hur of the District of Maryland announced that Maryland has received $999,990 from the Department of Justices Office of Justice Programs and its component, the Office for Victims of Crime, to provide safe, stable housing and appropriate services to victims of human trafficking.

Human trafficking is a barbaric criminal enterprise that subjects its victims to unspeakable cruelty and deprives them of the most basic of human needs, none more essential than a safe place to live, said Attorney General William P. Barr. Throughout this Administration, the Department of Justice has fought aggressively to bring human traffickers to justice and to deliver critical aid to trafficking survivors. These new resources, announced today, expand on our efforts to offer those who have suffered the shelter and support they need to begin a new and better life.

Human traffickers prey on our most vulnerableincluding childrenin order to profit from their victims misery. Traffickers often use violence and exploit drug addictions in order to coerce their victims into such crimes as commercial sex rings, said U.S. Attorney Robert K. Hur. These grants will help to provide resources to the vulnerable victims of this reprehensible crime. The Maryland U.S. Attorneys Office and our partners will never stop working to end human trafficking.

The grant, awarded to the Salvation Army and the University of Maryland SAFE Center for Human Trafficking Survivors, will provide six to 24 months of transitional or short-term housing assistance for trafficking victims, including rental, utilities or related expenses, such as security deposits and relocation costs. The grant will also provide funding for support needed to help victims locate permanent housing, secure employment, as well as occupational training and counseling. The Salvation Army and the University of Maryland SAFE Center are among 73 organizations nationwide receiving more than $35 million in OVC grants to support housing services for human trafficking survivors.

The Salvation Army of Central Maryland is committed to assisting survivors of human trafficking in reclaiming their lives and determining their futures, said Beth Luthye, Anti-Human Trafficking Program Director for The Salvation Army of Central Maryland. Over the past few years, our core focus has been short-term housing and intensive care management. This OVC grant will enable us to expand our services to also provide supportive transitional housing and independent housing assistance, as well as partnering with business and community leaders to build out initiatives focused on employment and financial independence. Ms. Luthye added, The Salvation Army program, based in Baltimore City, targets adult survivors of both sex trafficking and labor trafficking throughout the state of Maryland. It is inclusive of women who often find closed doors at other residential programs, including pregnant women, mothers of young children, transgender individuals, and foreign nationals.

"Stable housing is foundational to human trafficking survivors' ability to rebuild their lives, said SAFE Center Founder and Director, Susan Esserman. We feel fortunate to be partnering with the Montgomery County Department of Health and Human Services in a rapid rehousing model to address this urgent housing need. We are grateful for this OVC funding as lack of safe housing is a driver of trafficking."

Human traffickers dangle the threat of homelessness over those they have entrapped, playing a ruthless game of psychological manipulation that victims are never in a position to win, said OJP Principal Deputy Assistant Attorney General Katharine T. Sullivan. These grants will empower survivors on their path to independence and a life of self-sufficiency and hope.

Human trafficking offenses are among the most difficult crimes to identify, and the scope of human trafficking victimization may be much greater than the limited data reflect. A new report issued by the National Institute of Justice, another component of the Office of Justice Programs, found that the number of human trafficking cases captured in police reports may represent only a fraction of all such cases. Expanding housing and other services to trafficking victims remains a top Justice Department priority.

The Office for Victims of Crime, for example, hosted listening sessions and roundtable discussions with stakeholders in the field in 2018 and launched the Human Trafficking Capacity Building Center. From July 2018 through June 2019, 118 OVC human trafficking grantees reported serving 8,375 total clients, including confirmed trafficking victims and individuals showing strong indicators of trafficking victimization.

For a complete list of individual award amounts and jurisdictions that will receive funding, visit: https://www.ojp.gov/sites/g/files/xyckuh241/files/media/document/htvictimsfactheet.pdf

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Nearly $1 Million In Federal Funds To Provide Housing To Victims Of Human Trafficking In Maryland - Bay Net

When Taming Big Tech Goes Wrong – The New York Times

This article is part of the On Tech newsletter. You can sign up here to receive it weekdays.

What if the U.S. government tries to restrain the power of Americas tech superstars, and it doesnt work?

Thats essentially what has happened so far in Europe, where some regulators and lawmakers have been ahead of the United States in putting guardrails on Google, Amazon, Facebook and Apple.

I talked with my colleague Adam Satariano, who writes about technology in Europe, about what happens when government officials decide they want to do something about Big Tech, but struggle to figure out what that something should be.

Shira: Whats been Europes approach to the American tech superpowers?

Adam: Europe started doing antitrust investigations several years ago. But the resulting lawsuits and regulation havent done much.

Google is the best example. Investigations into allegations of anti-competitive tactics took years. The European Union then fined Google several billion dollars for breaking the law. But critics say that Google wasnt forced to change much, so this did little to restore competition.

What can American lawmakers and regulators learn from Europes mistakes?

Speed is crucial, otherwise regulators are fighting yesterdays battles.

There was also a problem with enforcement. Europe passed a highly-touted privacy law called General Data Protection Regulation, but its been a flop at limiting data collection by the biggest tech companies. Much of the policing of the law was left to Ireland, which simply doesnt have the resources to keep up.

It sounds as if the lesson is that you can believe theres a problem with tech companies power, but its hard to craft an appropriate response.

Without a doubt. The authorities in Europe are changing their tactics now. Theyre looking at rewriting laws to directly target the way big tech companies do business: How they use data or box out rivals, and ways they give their products preferential treatment.

But after a few years covering this in Europe, I have become much more suspect about these efforts at regulation. Theres a lot of potential for unintended consequences.

What have been the unintended consequences?

A big one is the ripple effects of several countries, especially Germany, making new rules against hate speech online. The worry is that gave cover to countries to enact censorship laws. Turkey cited Germanys hate speech law in enacting its new social media restrictions. Another law, known as the right to be forgotten, has also raised concerns about limiting the availability of information online.

Does this mean we should be skeptical about any U.S. government action against Big Tech?

Maybe. But its still been interesting to watch this growing realization among the authorities on both sides of the Atlantic about the size of these companies and the influence they hold over their democratic societies and how they operate, including their communication systems, information flow and commerce.

You can sense this feeling that lawmakers think they must do something, but arent quite sure what that is yet. The next 12 to 18 months are going to be extraordinary.

Hello, dear readers! Several of you had asked about differences in how the United States and Europe handle regulation of technology. This conversation gets the ball rolling on that subject. Please keep the questions coming. You can reach us at ontech@nytimes.com.

Twitter is in hot water with the U.S. government. Let me explain why you should be angry.

The Federal Trade Commission is investigating Twitter and may fine the company up to $250 million for using peoples phone numbers in ways that users didnt expect, my colleague Kate Conger wrote.

This stems from Twitters disclosure in October that the phone number you might have listed as a second form of account verification in addition to a password might also have been used to target advertisements at you. This is not good.

Phone numbers used for security purposes shouldnt be repurposed for Twitter to make money. Twitter said this was a mistake, but it hasnt said how long this practice had gone on or how it made this error. (Facebook had gotten in trouble for the same thing.)

There are two interrelated problems revealed by what might seem like Twitters minor flub.

First is the problem of companies ignoring common sense. People who enter a phone number to keep impostors out of their Twitter accounts do not expect that number to be used to target ads. Period. Therefore, companies should absolutely not do this.

Two, Twitters mistake is a symptom of the broader scourge of online surveillance. Internet advertising is an arms race waged with our data, and that leads to ever more intrusive harvesting and use of our information.

This is not only a concern for tin-foil-hat privacy paranoiacs. Companies like Facebook and Google have a big leg up over all other companies that sell digital ads because they have more and better data than anyone else. Every other company is tempted to play catch up by resorting to increasingly creepy ways of collecting user data.

That might include Twitter, or apps weve never heard of that gather our location information and sell it without our knowledge to other data-hungry companies. All the tech problems are connected.

I suspect people will have feelings about this: Stacey Steinberg, a childrens rights lawyer and photographer, says that parents sharing information, including photos, about their children online may unwittingly be providing fodder for bullying or child abuse. These risks have made her think twice before she shares information about her kids on social media.

Maybe this newsletter should just be memes? On Instagram and other apps, news organizations and activists have captivated audiences attention by posting less text and more charts, graphics and other easy-to-digest ways to convey news and information, according to Axios. This is a pattern that younger people latched onto a long time ago: Quick-scan visuals like memes are a great way to explain complicated things.

The online forum that traces the internets past five years: Wired has a fascinating look at a Reddit group about President Trump that became one of the most popular and divisive gatherings online. The article tells how this groups story encapsulated the evolution of internet forums in molding or policing peoples personal interactions and beliefs.

Check out these ethereal cuttlefish embryos bobbing around in their eggs. Yes, those tiny black dots are the cuttlefish babies eyes. (Thank you to an On Tech reader, Dr. Julie Drawbridge, for suggesting this video.)

We want to hear from you. Tell us what you think of this newsletter and what else youd like us to explore. You can reach us at ontech@nytimes.com.

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When Taming Big Tech Goes Wrong - The New York Times

Big Tech: monopolies, misinformation and election integrity – WHYY

Guests: David Dayen, Kathleen Hall Jamieson, Joshua Tucker

Big Tech CEOs were grilled before Congress last week about whether theyve become too dominant in the marketplace, stifling competition and harming consumer choice. Should Google, Facebook, Apple and Amazon be regulated, even broken up? And whats all the hullabaloo over TikTok? Well talk about the tech giants, the anti-trust hearings and Trumps TikTok fight withThe American ProspectsDAVID DAYEN. Then, Twitter and Facebook have taken steps to crackdown in misinformation, including by President Trump. But are they doing enough to safeguard our democracy, especially in light of a new intelligence report that says that Russia once again is using social media to interfere in our election. Well talk withKATHLEEN HALL JAMIESON,professor of Communication at the University of Pennsylvanias Annenberg School for Communication andJOSHUA TUCKER, professor of politics and co-director of New York Universitys Center for Social Media and Politics about their concerns over social media, disinformation, and election meddling.

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Big Tech: monopolies, misinformation and election integrity - WHYY

Impacts and Recommendations After Big Tech Congressional Testimony – GovTech

On Wednesday, July 29, 2020, the CEOs of some of the biggest tech giants in the world testified (virtually) before Congress. Some characterized the bipartisan questioning as a brutal beating, but others reported that not much new was accomplished.

These hearings are the current ones in a series of actions at the federal and local governments and have involved other big tech such as Microsoft as well as other industry service providers.

What can we learn? What were the impacts? How do these regulatory issues affect state and local governments? Most importantly, what can and should be done next by public and private sector leaders and their partners?

These are a few of the items I explore in this blog, with the help of long-time state government policy expert Andris Ozols who worked for many years with me in Michigan State Government before his retirement a few years back. Andris was also a significant contributor to my recent blog efforts on elections security.

Background on the Congressional Hearings

First, the media coverage of the testimony was widespread before, during and after the virtual event. Here are a few headlines and relevant excerpts:

Washington Post: Amazon, Apple, Facebook and Google grilled on Capitol Hill over their market power

Excerpt: The leaders of Amazon, Apple, Facebook and Google took a brutal political lashing Wednesday as Democrats and Republicans confronted the executives for wielding their market power to crush competitors and amass data, customers and sky-high profits.

The rare interrogation played out over the course of a nearly six-hour hearing, with lawmakers on the Houses top antitrust subcommittee coming armed with millions of documents, hundreds of hours of interviews and in some cases the once-private messages of Silicon Valleys elite chiefs. They said it showed some in the tech sector had become too big and powerful, threatening rivals, consumers and, in some cases, even democracy itself.

NPR.org: Heads Of Amazon, Apple, Facebook And Google Testify On Big Tech's Power

Excerpt: Rep. David Cicilline, D-R.I., the subcommittee chairman, spent all of his first five-minute block of questions on Google the company at most immediate risk of antitrust action. The Department of Justice is reportedly preparing to sue the company over its advertising business, and could be joined by state attorneys general who have also been investigating Google.

Cicilline pressed CEO Pichai on whether Google's business model presents a conflict of interest, because it has an incentive to give search results that keep users on its own site rather than anywhere else on the Internet.

New York Times: Lawmakers, United in Their Ire, Lash Out at Big Techs Leaders

Excerpt: The chief executives of Amazon, Apple, Google and Facebook, four tech giants worth nearly $5 trillion combined, faced withering questions from Republican and Democratic lawmakers alike on Wednesday for the tactics and market dominance that had made their enterprises successful.

For more than five hours, the 15 members of an antitrust panel in the House lobbed questions and repeatedly interrupted and talked over Jeff Bezos of Amazon, Tim Cook of Apple, Mark Zuckerberg of Facebook and Sundar Pichai of Google.

Forbes: Why Big Tech Should Regulate Itself

Excerpt: Big Tech faces two main options. They can go on acting as if nothing is amiss and hope that government action will take a long time to become a reality. Or they can take proactive steps to recognize the legitimacy of the issues and regulate themselves with a commitment to reengage with acting honorably and doing no evil. The latter course of action will be the smarter and less painful one.

Fox News: Big Tech backlash: Apple, Google, Facebook, Amazon CEOs grilled on Capitol Hill

Excerpt: House lawmakers on Wednesday grilled the heads of some of the world's largest tech companies - with Democrats questioning whether the companies violated U.S. antitrust laws and stole from competitors, while Republicans slammedthem over alleged censorship and bias against conservatives.

BBC News (UK spelling) - Big Tech: What comes next for the US giants?

Excerpt: It's highly unlikely though that anything much will happen before the US elections in November.

As well as the presidential vote, all the seats in the House of Representatives are up for grabs, as well as about a third of the Senate.

And so we reach a fork in the road for Big Tech in America.

A Republican win would probably see the tech giants scrutinised further over how they police free speech. Section 230 - which gives social media companies immunity from prosecution for what is published on their platforms - would probably be looked at.

If the Democrats win, expect more regulation in an attempt to inject more competition into the tech industry.

Consequences to State and Local Governments and Potential Actions

There are both direct and indirect consequences on state and local governments, and in order for the states and locals to both maximize the benefits as well as ameliorate the effects of regulations, the state and local governments need to understand these effects and their causes and work collaboratively among themselves and with the technology partners.

Collaboration involves shared assessments, solution design, programs, education and training, advocacy and more. Selected examples of collaboration and collaborative networks include:

Understanding State and Local Direct Impacts of Regulatory Issues

Direct impact issues are issues that are part of the federal review, litigation and hearing agendas as well as state Attorney General related agendas. Contested IT related issues involve direct business practices, platforms, hardware, software, services at variance with state and local government public values and ethics, policies, strategies, standards and agreements including accuracy, operations, outputs or outcomes.

Emphasis is placed on: State legal requirements; state and gubernatorial priorities; action and decisions needed for this decision cycle; potential for maximum effects on outcomes; facilitating integration, collaboration among governments; options available for sustained innovation involving the greatest range of state and local government services and customers.

1 - Direct effects of federal regulatory issues. Key issues identified in federal big tech, and related hearings include: Limiting options in services, decrease in control or discretion in managing services, decreased trust in government protection of security and privacy, accuracy and truthfulness of information.

2 - State and local regulatory issues. Key issues addressed in state Attorney General initiatives also include: Limiting options in services, decrease in control or discretion in managing services, decreased trust in government protection of security and privacy, accuracy and truthfulness of information.

Collaborative state initiatives announced last week for New York and California are accelerating the process and may provide new models for state and local initiatives. This article from The Guardian (UK) is entitled, New York unveils landmark antitrust bill that makes it easier to sue tech giants.

New YorkState is introducing a bill that would make it easier to sue big tech companies for alleged abuses of their monopoly powers. New York is Americas financial center and one of its most important tech hubs. If successfully passed, the law could serve as a model for future legislation across the country. It also comes as a federal committee is conducting ananti-trust investigationinto tech giants amid concerns that their unmatched market power is suppressing competition. Also, The New York Attorney General's office will join the California Attorney General's office and the Federal Trade Commission's investigation intoAmazon's online marketplace.

3 State, local and federal regulatory roles and balance. Balance in roles and authority in regulations is a policy and legal point of contention among levels of government and also determines how the regulatory issues are prioritized. This includes topic like what stakeholders need to be involved and timing for action. One of the NGA chairs priority issues for 2020 2021 will be federalism issues and questions of balance of roles and authority.

4 - State and local stakeholders and collaboration. States have established public and private sector collaborative networks (cite examples), but the current issues call for reinforcing relationships and strengthening ones with the National Governors Association (NGA), fiscal officers (https://www.nasbo.org/home ), procurement National Association of State Procurement Officials - NASPO , auditors NASACT , legislators (National Conference of State Legislatures) and their associations. Also, the perspectives of federal Congressional and Executive branch assessment and design resources such as the Partnership for Public Service, U.S. Government Accountability Office (U.S. GAO), General Services Administration, Congressional Budget Office and public policy administrators would be helpful, including ASPA - https://www.aspanet.org/ASPA/

Understanding Indirect Impacts: Information, Procurement, Smart, Digital Government and Public Sector Policy and Procedural Issues

Indirect issues are those resulting from direct IT services such as hardware, software, services, outputs serving as IT inputs that support or enable other functions, processes, programs or services. In addition to processes and services, these may also affect policies, standards, decision-making, customer values, perceptions, satisfaction and trust.

In particular, these issues and how they are resolved help define and pre-structure the options available for smart, digital communities and governments.

1 Information Control and Management. Information and information management is a foundational issue, the wizard behind the curtain. Ownership, control, accuracy, misinformation and information management plays a central role in a number of the support platforms for smart, digital government - such as internet of things, big data analytics, facial recognition, mobile and location aware services, cloud, integrated and autonomous AI.

2 Procurement. Procurement management is the gateway to public / private relationships, partnerships, standards, performance, accountability, policy and value alignment, etc. Includes RFIs, RFSs, RFPs and contracts. National Association of State Procurement Officials - NASPO is a crucial partner on this issue and NASCIO has a strong established relationship.

3 Smart, Digital Government. Smart, digital government and communities and cities are vital constructs describing the connection, integration of technologies to transform how governments, citizens and businesses interact. Some of the regulatory issues can impact on smart government priorities; timing and scheduling; platforms; information ownership; integrity of personal identity; privacy; security; accuracy and reliability; processes; state and local government control; public trust and others.

While many roadmaps for smart governments and communities address the role of regulations, not all of them do, and the pandemic as well as the overlap of the flu and hurricane seasons will further accentuate the risks. In general state and local assessments, policies, standards, plans and roadmaps do not consistently address the role of regulations or the consequences of not complying. However, there are sufficient examples and models such as NGA work on Smart Transportation and Smart Energy roadmap, with sections on regulations from the Smart Community and State Initiative that can serve as models.

4 - Key State and Local Service Sectors. There are differential regulatory effects among service sectors and realignment of priorities and solutions. For example, differential effect of selected platforms on IT supported health and education services, distance learning and work, election processes, security, disaster management and recovery.

5 Key 2020 2021 Events and Decision Points. The juxtaposition of the sustained pandemic, hurricane season, pending flu season in context of the election, economic disruptions a revenue and budget short-falls are altering priorities, reducing funding allocation levels, stressing state and local service capabilities and calls for modifications in disaster and management and recovery approaches and the supporting platforms in which Big Tech is involved.

Recommendations for Collaborative Action

The public sector IT community needs to work together in both recognizing the benefits of Big Tech and integrator services as well as addressing and resolving adverse effects. This needs to involve both the public and private sector communities and build upon existing networks and public private partnership models.

The following recommendations address both the three-month cycle before the election, the three months after the election, and reference issues for potential future action.

The next five or six month period covers the front end of most state and local government assessment, design and development cycles and also includes a number of state and local association and support group working sessions and planned deliverables that could include a regulatory issue perspective. The following state/local groups share a collaborative history and are illustrative of potential opportunities and next steps regarding non-profits supporting state and local governments:

National Governors Association (NGA) - https://www.nga.org/

Follow-up to federalism issue after the Summer 2020 virtual session can include both infrastructure and regulatory issues from an IT perspective.

The Smart Transportation and Smart Energy roadmap sections on regulations, from the Smart Community and State Initiative can be one of the inputs in developing shared templates.

National Association of State Chief Information Officers (NASCIO) http://www.nascio.org

Center for Digital Government (CDG) https://www.govtech.com/cdg/about/

Public Technology Institute (PTI) / CompTIA https://www.pti.org/

The Partnership for Public Service, a leading example from the federal level, with private sector partners that are shared with the state and local associations, has developed a series of information technology opportunity assessments and designs for infusing technology in federal government operations, with long-term support by IT integrators and service providers such as Deloitte, Accenture and IBM, as well as broad-scope management consultants such as Booz Allan Hamilton, Ernst Young and others. Examples include:

More Recommendations For Collaborative Action

1 Advocacy on Federal Hearing Report. Coordinate state and local advocacy on the pending federal hearing report and recommendations as well as follow-up with the Executive branch and Congress.

2 Potential IT Related Advocacy and Potential Participation State AG Initiatives. Develop a coordinated and collaborative state and local review of AG initiatives from an IT perspective and recommendations, including the New York and California proposed actions. The federal hearings and NY initiatives can be fulcrums for state and local IT related actions and may serve as models for selected state actions.

3 Enhance Role of Regulations in State and Local IT Policies, Strategies, Operations, Roadmaps and Advocacy. Collectively develop templates for addressing regulations in state and local policy and procedural guidelines, including procurement, operational and performance management, audits and others.

4 Conduct an Assessment and Recommendations of IT and Regulatory Effect and Support Capabilities for Pandemic Effects and Election Processes. Conduct a collaborative assessment of the capabilities and opportunities of IT support for the pandemic and election process, other pending emergencies and potential interactions with the regulatory issues. Develop recommendations for state leadership, NGA, NCSL and federal government.

5 Develop a Forum for IT Stakeholder Collaboration on Regulatory Issues. Identify scope of potential stakeholders for supporting recommendations and further action, and develop a forum for organizing a state, local, federal and private sector collaborative. This forum can be a Web based forum, perhaps hosted as part of the NASCIO virtual fall session.

Final Thoughts

Back in 2018, Deloitte Consulting wrote this: Regulations or absence of regulations can also alter or limit both direct government operations as well as stakeholder, customer benefits, and limit development or innovation options. As new business models and services emerge, such as ride-sharing services and initial coin offerings, government agencies are challenged with creating or modifying regulations, enforcing them, and communicating them to the public at a previously undreamed-of pace. And they must do this while working within legacy frameworks and attempting to foster innovation.

Here is another excellent piece by Deloitte on regulation and cybersecurity: National security and technology regulation. I also think it worth reviewing these biggest takeaways from the Washington Post on the antitrust hearings.

CNBCs expert analysts believe these companies will never be broken-up due to the U.S. desire to compete with companies from China and elsewhere. Nevertheless, they also say there is likely more regulation coming.

In a surprising twist, Fast Company Magazine wrote last week that: The Big Tech antitrust hearing was a PR boost for Amazon, Facebook, Google, and Apple.

One thing is clear: Well be back to cover this topic many times in the coming years. The issues are not going away.

Time to do your homework and get ready for more in 2021 and beyond - regardless of who wins the upcoming election.

Looking for the latest gov tech news as it happens? Subscribe to GT newsletters.

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Impacts and Recommendations After Big Tech Congressional Testimony - GovTech

Cohen: It’s time to break up Big Tech – Gazettextra

Monopolistic companies such as Facebook, Twitter, Google, Apple and others have become far too powerful.

They thwart competition and abuse their power, whether its by failing to protect users privacy and data or controlling one of our most basic freedomsfree speechin hopes of influencing, if not swaying, elections. These actions warrant congressional intervention, especially given Silicon Valleys well-known political bias against conservativesincluding the president of the United States of America. President Donald Trumps tweets are routinely fact-checked and censored, for example, while those of his political opponents are not.

This rigged system has far-reaching consequences that, among other things, shape public opinion and culture and taint Americas standing in the worldwhile diminishing our collective rights.

Take Apple. If you ask Siri what demon means, she says an evil spirit or devil, especially one thought to possess a person or act as a tormentor in hell. The second definition Siri offers is a cruel, evil, or destructive person or thing. Now, brace yourself for Siris third definitiona police officer.

This prompted a terse response from GOP Leader Kevin McCarthy, who tweeted Thursday:

Big Tech Bias in America is realand its disgusting. Apples Siri defines demon as a police officer.

Apple needs to answer for why theyre instigating this kind of hate in America.

Indeed. Especially when you consider that as of April 2017 there were 728 million iPhones in use worldwide, according to Statista, including at least 100 million users in the U.S.

The far-left radicals at Apple are indoctrinating users to believe law enforcement officers are demons. This not only maligns police officers character, including Black cops and other minorities in uniform, but also puts cops lives at risk given todays extremely volatile political climate.

Then theres Twitter silencing conservatives en masse. Late last month, the social network censored tweets by the president and his son Donald Trump Jr. for sharing a viral video of doctors speaking about the purported benefits of hydroxychloroquine, a controversial medicine that some experts claim helps COVID-19 patients.

A Henry Ford Health System study shows the controversial anti-malaria drug hydroxychloroquine helps lower the death rate of COVID-19 patients, the Detroit-based health system said Thursday, reported the Detroit News. Officials with the Michigan health system said the study found the drug significantly decreased the death rate of patients involved in the analysis.

Nonetheless, the overlords at Twitter still censored the tweets.

But thats not all. Google, Facebook and Twitter have also been censoring the right-leaning news site Breitbart, according to its news editor-in-chief, Alex Marlow. This week, Marlow told Tucker Carlson on his Fox News program that Breitbarts Google search traffic is down over 99% since May. If you want to search for Joe Biden or Biden, the chances of you getting a Breitbart article are virtually zero, Marlow told Carlson.

See how election meddling works?

Conservative voices are being silenced across the spectrumleading up to the November electionwhile those on the left continue to get full access to voters.

This corrupt system cannot stand in a democracy.

Adriana Cohen is a nationally syndicated columnist with Creators Syndicate. Follow her on Twitter @AdrianaCohen16.

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Cohen: It's time to break up Big Tech - Gazettextra

New York proposes antitrust bill that would make it easier to sue big tech – CNBC

The state of New York introduced a bill on Wednesday that would make easier for the state to sue companies if they are seen to be unilaterally violating antitrust issues.

The bill comes on the heels of the House's antitrust hearing when Amazon CEO Jeff Bezos, Alphabet CEO Satya Nadella, Apple CEO Tim Cook, and Facebook CEO Mark Zuckerberg testified.

"Our antitrust laws are about a century old and were built for a different economy," Senator Michael Gianaris, D-NY., the sponsor of the bill, told CNBC's "Squawk Box" on Thursday. "In some ways, what we're trying to do is match what the federal government has the power to do."

Gianaris was outspoken against Amazon's HQ2 move to Long Island City in 2019, his district, a move that earned him the nickname "The Amazon Killer."

He argued existing antitrust laws aren't equipped to tackle the ways tech companies like Google and Amazon interact with their competition today.

"You have behavior that was not contemplated when this law was originally written," Gianaris said. "No one could see a search engine which could prioritize one's own products over competitors, or incentivizing people or punishing them based on the relationship the search engine has."

"We want to give our Attorney General the power, in this new economy, to stifle anti-competitive behavior that is often the result of a single actor acting alone," Gianaris said.

New York can't currently take action against an anti-competitive move unless two companies are collaborating and conspiring to stifle competition. Those actions typically manifest in price-setting or a merger between two companies.

The proposed bill, titled the 21st Century Antitrust Act, would update those laws, so that legal action can be taken against a company if it's shown to be acting in an anti-competitive manner. It would also allow for class-action lawsuits to be brought against companies.

"Federally, you can bring action for unilateral behavior. We're trying to give New York the tools to do the same thing,"Sen. Gianaris said.

The bill would also update the penalties: a violation would be classified as a Class C felony, rather than a Class E felony as it currently stands. The maximum fine would also be changed from $100,000 to $1 million, and the maximum prison sentence from four years to 15 years.

The 21st Century Antitrust Act is unlikely to pass before the end of the year, as the state senate is currently in recess, but it already has the support of New York's Attorney General, Letitia James. "While our state's antitrust laws remain essential to these protections, we support legislation to strengthen them further to meet the challenges of today's economy," James said.

More:

New York proposes antitrust bill that would make it easier to sue big tech - CNBC

How This Technology Sales Leader Is Guiding Teachers Toward Instructional Enlightenment – Forbes

How can we make the best of a bad situation in school?

When Bob Riefstahl founded2Win! Globalalmost 20 years ago, he was ahead of his time. His company provides winning pre-sales, client-success skills, and culture guidance for technology companies. Today, his clients include IBM, Adobe, CISCO, Siemens, and Microsoft.

However, in the beginning, things were quite different.

Riefstahl says, "When we started, software sales were stuck in the past. Big tech companies like IBM had a particular way of doing things, and most of the smaller companies emulated the big boys. Had that not changed, companies like Big Blue (IBM) may have fallen by the wayside. Technology is a two-step process that includes both development and sales.

He also states, The greatest technology in the world is meaningless if nobody buys it."

At the time, Riefstahl and crew began peddling what they knew. Technology companies listened, and the result has been a seismic shift in the economy of the world.

Riefstahl saw a need for technology companies to come out of the shadows and deliver what Riefstahl believed was a beneficial evolution in the way people were able to use and prosper from technology. Many believe that his company and way of doing business were an essential part of the technology revolution.

But now, Riefstahl sees a different need.

"Education has needed a technological wake-up call for some time. With the Coronavirus pandemic forcing learning online, that call is happening too quickly delivering punishing blows to our teachers because they don't have the correct knowledge and training to teach online successfully. Like anything else, teaching and delivering presentations online is a learned behavior," states Riefstahl.

Just like in 2001, when Riefstahl was motivated to help technology companies succeed, he now wants to help children learn in a new virtual world.

He states, "Plain and simple, children are the world's future, and I have two sons who were both products of the public school system, and both excelled in their careers. If we can help teachers that work with kids in very diverse school systems, we can create a better world."

Riefstahl believes his company's expertise and experience in the business sector can translate well in the education sector.

They train the largest and most successful technology companies in the world to use soft-skills to help them connect with prospective buyers of their products in a virtual environment.

Their most deep-rooted focus is on the product presentation and demonstration, and they base it on neuro-linguistic programming.

Riefstahl realized the same techniques that his company uses to teach to some of the most talented and highly paid workers in the world could be effective with the teacher and student experience.

They teach people how to be effective communicators during in-personandvirtual engagementsand have been doing so using virtual classrooms for over ten years.

Riefstahl's virtual training started in 2008, and he saw the immediate benefit and impact by leveraging a flip-the-classroom approach.

When the pandemic broke, rather than experiencing a loss in business, Riefstahl's business began to accelerate.

He says, "I have many friends who are teachers or know teachers, and many are struggling with virtual classrooms. At that point, I realized our methods, with some modifications, could be a lifeline to teachers and students."

Rather than testing the water, Riefstahl and 2Win! Global have jumped in the deep end, and he has big expectations in his company's ability to help educators.

He says, "Now and in the future, we want teachers to feel empowered, inspired, and enthused about teaching in the unfamiliar medium of virtual. We have found that our same classes taught virtually produce as good of a result as in-person classes. We want students to have that same experience."

Riefstahl hired Joan Jahelka, a lifelong educator and fellow Colorado resident, to lead the company's first offering, theClassroom 2.0series, set to debut in mid-August.

They will deliver the series into three parts:

Module One: To help teachers understand how to set up their home and teaching virtually.

Module Two: To help teachers understand the soft-skills necessary to transform their virtual instruction. This module will help to ensure the student learning experience and retention are the best.

Module Three: To help teachers and administrators understand the nuances of child privacy in virtual instruction. All the modules will be delivered in a crisp, micro-learning style using two to five-minute video segments.

Riefstahl's team at 2Win! Global believes that the education division could eventually become profitable, but that is not their primary concern.

"This goal is much more of a charitable offering on our part, and much less about profit. Our price points on this course are such that we believe it would take years to cover our costs. That's okay, because our motivation is about making a difference to kids and teachers," said Riefstahl.

[BR1]I was planning on naming it "Classroom 2.0". Does that work?

More here:

How This Technology Sales Leader Is Guiding Teachers Toward Instructional Enlightenment - Forbes

White House Weighs Bill in Response to Big Tech on Free Speech – Daily Signal

White House chief of staff Mark Meadows says the Trump administration is contemplating some type of regulation for social media companies as part of the COVID-19 relief legislation being negotiated with Congress.

As much as Im a guy that says that the social media companies should be able to have their ownwhat I would call a wild, wild West way of doing things Im over it, Meadows said Friday in a livestream interview with American Conservative Union Chairman Matt Schlapp.

This censorship has gotten to the point where if they are going to censor, then Im going to make sure they are regulated, Meadows said, reflecting President Donald Trumps thinking.

During the week, Twitter removed a post by Trump that correctly stated children are less likely to get COVID-19 than adults. In May, Twitter issued a questionable fact check on one of Trumps tweets on problems with mail-in voting.

In addition to Trump, there have been other cases of technology companies censorship of conservatives, including YouTubes blocking of The Heritage Foundation and Prager University.

Trump issued an executive order in April that lifted some of the protection the social media platforms enjoyed under the Communications Decency Act. However, an executive order lacks the power of legislation.

Meadows, who represented North Carolinas 11th Congressional District from 2013 until becoming Trumps chief of staff last March, wasnt clear on the specifics of what any proposed legislation might involve.

The president has, as you know, put forth a few executive orders, but even in this packagewell make news herewere looking at, What do we do with regard to some of the protections that social media companies have? he said.

Social media platforms have not faced regulations as broadcast media have. Nor could they be held liable for information on their platforms as print or online media could, because they arent publishers per se.

However, the platforms have come under scrutiny for picking and choosing content, while not facing accountability.

We ought to address that in this package we have right nowin the emergency package, Meadows said. Were talking about freedom of the press, freedom of expression. And yet what we have are a number of companies that have decided on what should be communicated and what should not be communicated. And it is very troubling.

The chief of staff continued:

Weve seen videos taken down. Weve seen posts taken down. Ultimately, if youre allowing the social media companies to be the determiner of free speech, youre in a very dangerous place.

I spoke to the president last night about actually addressing that in this particular package.

Meadows later added:

Its perfectly fine for every employee of those social media companies to advocate personally for their candidate of choice, whether its the far left or the far right, or someone in between. Thats America.

Its totally inappropriate for those same people who work at a company to allow the company to put, really, the market cap and the power of these big social media companies on that level, on that scale of justice, to say we are going to determine what you see and what you view, and what is right and what is wrong. Its inappropriate.

The CEOs of Amazon, Apple, Facebook, and Google testified July 29 before the House Judiciary Committees antitrust, commercial, and administrative law subcommittee, and denied any political bias.

Still, Rep. Jim Jordan, R-Ohio, noted during the hearing that Google temporarily removed the home pages of Breitbart and The Daily Caller and threatened to demonetize The Federalist.All three are conservative media outlets.

Heritage Foundation President Kay C. James weighed in on the hearing.

Jordan, who succeeded Meadows as the committees ranking Republican, said the Amazon Smile program wont allow Amazon customers to give charitable donations to some conservative groups, such as Family Research Council or Alliance Defending Freedom, but allows charitable donations to Planned Parenthood.

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White House Weighs Bill in Response to Big Tech on Free Speech - Daily Signal

The Time Has Come for Main Street to Show Big Tech How Its Done – Stock Investor

When I saw todays unemployment number, the first thing I did was to figure out how to short some of the biggest stocks Silicon Valley has produced.

Were betting against Microsoft Corp. (NASDAQ:MSFT) and Amazon.com Inc. (NASDAQ:AMZN) now in our Turbo Trader and High Octane Trader services, respectively. It isnt so much that I think either of these trillion-dollar behemoths is on the brink of disaster since the recent earnings cycle has proved that these companies are run by smart people with vast resources. Both companies will thrive.

But with so many people on Wall Street crowding into the top of the technology tree in the pandemics wake, these stocks have simply gotten too far ahead of themselves. After all, the NASDAQ is up a stunning 25% year to date in what government economists still consider a recession, while the S&P 500 is barely positive over the same time.

If anything, MSFT and AMZN have kept the broad market out of negative territory. Thats all right when technology is the only thing working in the global economy. However, when U.S. employers outside Silicon Valley start cautiously hiring again, its time for smart money to come out of the high-tech bunker and get back in the game.

Beyond the Digital Screen

Big Tech gets most of the love with people who spend their lives behind a screen, but for the rest of us, the physical world remains where all the real action is.

Pure technology stocks still only account for 25% of the S&P 500 and only employ a small fraction of the U.S. population. Even if you pull Facebook Inc. (NASDAQ:FB) and Alphabet Inc. (NASDAQ:GOOG) back from the communications sector, technology just isnt the real heart of the economy.

As trite as it sounds to the people in Silicon Valley, the heart of the economy remains small businesses. I am talking about construction, convenience retail and independent restaurants, not to mention local schools, banks, hospitals and professional offices.

When the local economy starts suffering, it doesnt really matter how much cloud computing capacity Amazon and Microsoft sell. Sooner or later, well all feel the chill.

And when the local economy strikes back, smart money breathes a sigh of relief. I cant wait to start buying airlines, mall retail and community banks again.

Every step the job market moves forward takes us closer to that moment. Progress is good.

But investors who convinced themselves that Big Tech and vaccines are the only things in the world that are still working now see good news as a bad thing. Suddenly, their stocks need to compete for capital and market leadership.

Today demonstrated that good news for Main Street is now seen as bad news for Silicon Valley stocks. Look at AMZN and MSFT today. Theyve come a long way and now its time they step back.

My Turbo Trader subscribers booked a 25% win today on a put option trade in MSFT. All we had to do was acknowledge that this gigantic stock would find it difficult to push much farther beyond $210 in the immediate future.

Thats all it takes to make money in a brittle market environment. Maybe one day far from now, MSFT and its peers will rule the world. Today, theyre still subject to the basic law of gravity.

Where are we rolling our money instead? For me, the strongest investment strategy always starts by locking in enough income to pay the bills.

Value Authority is where we concentrate on solid old-economy stocks that pay bigger yields than what youd get from MSFT or the U.S. government, for that matter. Until Big Tech takes a big dip, we need to be patient before those stocks are attractive.

When regular dividends are coming in, we can afford to be patient. Thats the approach I recently recommended for TD Ameritrade clients. (Watch the video.)

And as for Main Street, we look at the real business of America every week on my Millionaire Makerradio show. (Click here for recorded episodes and local stations.)

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The Time Has Come for Main Street to Show Big Tech How Its Done - Stock Investor

Three Stories You Absolutely Must Read to Learn About Automatons (And One You Definitely Shouldn’t) – tor.com

Like any totally-normal-not-at-all-obsessed person, I spend a lot of time thinking about automatons.

Mostly, I shake my fist at the sky like an old man complaining that kids these days only like their sleek, human-passing, electric robots and no one cares about the wind, fire, water, and clockwork powered beings that preceded them. Is MonkBot not sexy? With that sweet, sweet segmented mouth action?

Automatons are usually thought of as no different from golems, living dolls, or patchwork girls. Just another category of animated being: nifty, sure, but so what? But automatons are, and have always been, important. And for two thousand years we knew that.

In the arc of human invention, automatons predate paper. That means before we thought sure would be nice to write things in a convenient and portable manner we thought sure would be nice to have an inhuman creation in our shape that moves. Then we immediately looked at this thing wed made and instead of believing wed become gods, we thought wed created them. In ancient Rome and Egypt, as well as during the medieval period, automatons were representations of the divine. Even after they shifted into the realm of entertainment, automatons were singular wonders, art that brought joy to the viewer.

If youre interested in getting a peek at how these fascinating machines used to be viewed in society, and what changed, below are three stories you absolutely must readand one you absolutely must not.

(Honorable mention to the film Hugo (2011) by Martin Scorsese)

This wonderfully illustrated novel tells the story of a boy who has spent two years alone, tending to the clocks of a train station and attempting to fix a broken automaton. Once he discovers the key to making it work, the repaired automaton begins to draw a clue to its origins. This novel is great because it blurs the lines of machine and man. It is Hugo who mechanically tends to the clocks at the same designated time each day, Hugo who has no one to care for him. He is more like an automaton than a boy, and his reentry into the world of other people makes it feel less like the title is referring to an invention owned by Hugo, and more like it refers to his being invented as a person again after spending years as a machine.

The reason you should read this novel is not just to learn that the line between human and automaton is blurry at best, but to see how actual automatons once functioned. Hugos care for his machine echoes the way these intricate machines would have been treated by their creators. Never mass produced, never expected to fill the traditional labor roles we associate with robots like Rosie from The Jetsons or even Siri today, but amusements for the sake of it, a meeting of science and art. Most importantly, the automaton in Hugo Cabret and the story of its discovery are REAL almost. In 1928 a mysterious box of parts was given to Philadelphias Franklin institute where workers reassembled the machine with largely no idea what it would be when they were done. Once they finished repairing the mechanical boyofficially named Maillardets Automatonthey discovered he could draw. Unlike the automaton in the novel, this one replicates four drawings and three poems in two languages. Also, this automaton was actually made in the year 1800, over a hundred years before its recreation in Philadelphia, which makes it one hundred years older than its literary counterpart in the book.

The Pretended takes place in a world where all black people have been killed by a white supremacist society and replaced with fabricated beings whose speech and appearance are caricatures of blackness. We learn that this annihilation was deemed necessary because those in power wanted to pretend black people werent people, which was harder to do while they were alive. The plan backfires, because even these new creations exhibit personhood, and must also be destroyed.

This story exemplifies the hardest aspect of automatons for people to graspas evidenced by the squinchy faces I get when I explain that I work in both posthumanism and critical race theorythat even beings that were never born can be racialized. Not only can they be, but automatons in the eighteenth and early nineteenth century were so often orientalist depictions that one reader writing into New Yorks Christian Register in 1844 complained: Why are all automata dressed in turbans? When the first American automatonZadoc P. Dederick and Isaac Grass Steam Manis designed immediately after the Civil War, its patent illustration takes the form most strongly associated with labor in the mind of Americans: a black man.

On one side of this 1868 automaton is two thousand years of wonder and the delicate, handmade, boy-machine writing poetry and drawing ships from Hugo Cabret, on the other is the assembly line and Karel apeks play R.U.R. (Rossums Universal Robots), forever wedding automation and labor in both reality and fiction.

The Sandman is your standard boy meets girl, boy falls in love with girl, boy never notices that girl doesnt communicate, boy sees girl disassembled and the sight of eyes sitting on a table drives boy mad tale. You know, classic. But what makes this one so interesting is over two hundred years ago Hoffman resisted the urge to paint the male protagonist, Nathaniel, as a purely duped victim and instead leaves him with, Bruhshe never communicated and you were cool with it?

The last section details the effect the story of the female automaton had on the men who heard it: Many lovers, to be quite convinced that they were not enamoured of wooden dolls, would request their mistresses to sing and danceand, above all, not merely to listen, but also sometimes to talk, in such a manner as presupposed actual thought and feeling

Hoffman even gives the final insult to OG sadboi Nathaniel by having Clara, the fiance he was stepping out on with the automaton, move on happily: she at last found a quiet domestic happiness suitable to her serene and cheerful nature, a happiness which the morbid Nathaniel would never have given her.

Hoffman uses the figure of the automaton here to show us that they are wonders of science and works of art but if that is all youre looking for in a partner you might be one set of disembodied eyes away from jumping off a cliff.

just kidding, his name was Jean-Marie-Mathias-Philippe-Auguste, Comte de Villiers de lIsle-Adam (Auguste Villiers de lIsle-Adam for short) which, in my defense, does roughly translate to Some Jerk depending on where you put the accent.

In this novel a distressed lord comes to his inventor friend, none other than Edison himself, with a problem: hes found a girl whos wicked hot, but he doesnt like her mind. Shes either too virtuousas in, she didnt want to keep her virginity for the right reasonsor not virtuous enoughas in, she is fallen, but not in a way he can appreciate. Shes too practical. Shes not too stupid, but rather not stupid enough (A woman who has lost all her stupidity, can she be anything but a monster?). The solution? Make a copy of her body and replace the brain with a more palatable version. Literally render her body as an object separate from her personality for the purpose of sexual possession. The novel holds that Alicia herself is not exceptional in her unworthiness, but that women in general are a problem. In one scene the inventor pulls out a drawer full of wigs, corsets, pantyhose, makeup, birth control, etc. and declares the contents of the drawer is everything that makes women. Might as well turn them into sexbots, after all, its what they do to themselves.

I am not saying you shouldnt read this novel because there is nothing it can teach you about the legacy of the automaton. Im saying you shouldnt read this novel because it can teach you, and sometimes you can be taught things that are wrong. With this novel, Villiers ignores and erases the lesson laid down by E.T.A. Hoffman exactly seventy years earlier. Why strive to hear your beloveds voice, he tells men of the time, when you can just replace it with one that pleases you?

By remembering automatons we remember how the prioritization of art can become bulldozed by wants of industry, the miraculous giving way to the profitable. These creations are still essential to study, because when humans create in their own image they also create a tangible snapshot of the values and visions of the world at that moment. Sometimes, that image is of religious devotion. Sometimes, its an image of intellectual curiosity and wonder. But sometimes they are darker, cautionary tales exposing how power operates against the powerless.

Micaiah Johnson was raised in Californias Mojave Desert surrounded by trees named Joshua and women who told stories. She received her bachelor of arts in creative writing from the University of California, Riverside, and her master of fine arts in fiction from Rutgers UniversityCamden. She now studies American literature at Vanderbilt University, where she focuses on critical race theory and automatons.

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Three Stories You Absolutely Must Read to Learn About Automatons (And One You Definitely Shouldn't) - tor.com