Ghostly blobs in space are the new exciting thing in astronomy. Could these be linked to wormholes? – Scroll.in

In September 2019, my colleague Anna Kapinska gave a presentation showing interesting objects she had found while browsing our new radio astronomical data. She had started noticing very weird shapes she could not fit easily to any known type of object.

Among them, labelled by Anna as WTF?, was a picture of a ghostly circle of radio emission, hanging out in space like a cosmic smoke-ring. None of us had ever seen anything like it before, and we had no idea what it was. A few days later, our colleague Emil Lenc found a second one, even more spooky than Annas.

Anna and Emil had been examining the new images from our pilot observations for the Evolutionary Map of the Universe project, made with CSIROs revolutionary new Australian Square Kilometre Array Pathfinder telescope.

Evolutionary Map of the Universe plans to boldly probe parts of the Universe where no telescope has gone before. It can do so because Australian Square Kilometre Array Pathfinder telescope can survey large swathes of the sky very quickly, probing to a depth previously only reached in tiny areas of sky, and being especially sensitive to faint, diffuse objects like these.

I predicted a couple of years ago this exploration of the unknown would probably make unexpected discoveries, which I called WTFs. But none of us expected to discover something so unexpected, so quickly. Because of the enormous data volumes, I expected the discoveries would be made using machine learning. But these discoveries were made with good old-fashioned eyeballing.

Our team searched the rest of the data by eye, and we found a few more of the mysterious round blobs. We dubbed them odd radio circles, which stands for odd radio circles. But the big question, of course, is: what are they?

At first, we suspected an imaging artefact, perhaps generated by a software error. But we soon confirmed they are real, using other radio telescopes. We still have no idea how big or far away they are. They could be objects in our galaxy, perhaps a few light-years across, or they could be far away in the Universe and maybe millions of light-years across.

When we look in images taken with optical telescopes at the position of odd radio circles, we see nothing. The rings of radio emission are probably caused by clouds of electrons, but why do not we see anything in visible wavelengths of light? We dont know, but finding a puzzle like this is the dream of every astronomer.

We have ruled out several possibilities for what odd radio circles might be.

Could they be supernova remnants, the clouds of debris left behind when a star in our galaxy explodes? No. They are far from most of the stars in the Milky Way and there are too many of them.

Could they be the rings of radio emission sometimes seen in galaxies undergoing intense bursts of star formation? Again, no. We do not see any underlying galaxy that would be hosting the star formation.

Could they be the giant lobes of radio emission we see in radio galaxies, caused by jets of electrons squirting out from the environs of a supermassive black hole? Not likely, because the odd radio circles are very distinctly circular, unlike the tangled clouds we see in radio galaxies.

Could they be Einstein rings, in which radio waves from a distant galaxy are being bent into a circle by the gravitational field of a cluster of galaxies? Still no. Odd radio circles are too symmetrical, and we do not see a cluster at their centre.

In our paper about odd radio circles, which is forthcoming in the Publications of the Astronomical Society of Australia, we run through all the possibilities and conclude these enigmatic blobs do not look like anything we already know about.

So we need to explore things that might exist but have not yet been observed, such as a vast shockwave from some explosion in a distant galaxy. Such explosions may have something to do with fast radio bursts, or the neutron star and black hole collisions that generate gravitational waves.

Or perhaps they are something else entirely. Two Russian scientists have even suggested odd radio circles might be the throats of wormholes in spacetime.

From the handful we have found so far, we estimate there are about 1,000 odd radio circles in the sky. My colleague Brbel Koribalski notes the search is now on, with telescopes around the world, to find more odd radio circles and understand their cause.

It is a tricky job, because odd radio circles are very faint and difficult to find. Our team is brainstorming all these ideas and more, hoping for the eureka moment when one of us, or perhaps someone else, suddenly has the flash of inspiration that solves the puzzle.

It is an exciting time for us. Most astronomical research is aimed at refining our knowledge of the Universe, or testing theories. Very rarely do we get the challenge of stumbling across a new type of object which nobody has seen before, and trying to figure out what it is.

Is it a completely new phenomenon, or something we already know about but viewed in a weird way? And if it really is completely new, how does that change our understanding of the Universe? Watch this space!

Ray Norris is a Professor, School of Science at the Western Sydney University.

This article first appeared on The Conversation.

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Ghostly blobs in space are the new exciting thing in astronomy. Could these be linked to wormholes? - Scroll.in

Star gazing with astronomers of the past – The Hindu

Award-winning documentary 'Hidden in the mists of Time - The Travancore Observatory', brings the forgotten research facility from the 1830s to new light

Trekking up the arduous route to the misty peak of Agastyakoodam, astrophysicist and academic Anand Narayanan, marvelled at the spirit of enquiry and adventure that motivated John Allan Broun, a British astronomer, to make the same trip more than 150 years ago.

Broun, the second director of the observatory in Thiruvananthapuram (appointed in 1852), felt that an observatory post atop the Agastyakoodam, the second highest peak in the Western Ghats in Kerala, would be the best place to carry out studies on magnetism. We were tracing his footsteps to see if we could discover the post he had set up there, says Anand, Associate Professor at the Indian Institute of Space Science and Technology.

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Ever since Anand first heard about the nakshatra bungalow in the heart of Thiruvananthapuram city from local history buffs, he was intrigued and tried to learn more about its location, work and history. It still exists in the heart of the city but hardly anyone knows about its significance and the work of eminent scientists who had worked there, he says.

He began delving into the history of the observatory and read annual reports brought out by the erstwhile Travancore Administration, where they chronicle in great detail everything that happened in the kingdom during that year. All of it is preserved at the Public Library in the city.

I was able to read the report on the centenary of the observatory in 1937, where many dignitaries, like CP Ramaswamy Iyer, had gathered to celebrate the occasion. I realised that though it is a small facility, it had been through a lot of ups and downs, depending on the people at the helm, says Anand.

Wanting more people to know more about the place, he decided to make a documentary. The 27-minute short, Hidden In The Mists Of Time The Travancore Observatory, bagged awards for the best-researched film and for the best-technically visualised film (graphics, animation, and special effects) in the recently concluded 10th National Science Film Festival of India, held from November 24 - 27.

Anand began his research for the film in 2017. We realised how fascinating regional history can be. Stories of the past are always around us but hidden from us at the same time. And that is where research becomes interesting. We talked to several local historians and the older generation who were associated with the observatory one way or the other. We then spent a lot of time finding documentary evidence to verify certain facts and fill the gaps, he elaborates.

The observatory predates the University of Kerala, although it now comes under its aegis.

This is perhaps the oldest scientific facility of the University and it had been commissioned by Swati Thirunal, then the reigning monarch of erstwhile Travancore, in 1837. He was keen on astronomy and was in his twenties when he decided to have an observatory in Thiruvananthapuram. There was a certain vision in his decision, explains Anand. In 1832, Swathi Thirunal had met John Caldecott, the British commercial agent and persuaded him to set up the observatory.

To make the film, Anand approached the Department of Physics of the University of Kerala. They were extremely supportive, giving him permission for filming and for going through the archival material in the observatory. The film was financially supported by an outreach grant from the Kerala State Council for Science Technology and Education.I gathered a team of students to help with the research. Reputed wildlife photographer Suresh Elamon sir joined in as cinematographer. I had no story board or script. We began randomly shooting everything related to the observatory. Somewhere along the way, I wrote a script, he says. Rahul Rajiv, an engineer with a knack for visuals and science, did the editing, and Shobha Tharoor Srinivasan, the voiceover.

Anand and his team did the Agastyamala trek (about 69 km from the city) in January 2019, following reported geographical coordinates of the magnetic observing station. There were no tangible structures there. The reports mentioned that the structure was made of wood. It is likely to have perished in the humid, windy conditions close to the summit of the peak. We just filmed whatever was present at roughly the location mentioned there was practically nothing, he recalls.

The team consisting of Sreerag Jayakumar, Shajeer Rahman, Vivek Vijayan and Anand found the going tough even now due to the tropical vegetation and the steep climb. Academic and local history buff Achuthsankar S Nair mentions in the documentary that the team led by Broun was given convicts to help them cut a path to reach the peak.

Making the film meant digging through the history of the city. They found that the observatory was once used for timekeeping and that the Travancore Broadcasting Station depended on the observatory for accurate timekeeping.

However, one of the many reasons why this facility, in our opinion, waned out is because its focus kept shifting over time from astronomy to magnetic field studies, to timekeeping, and meteorological measurements. It depended on who was in charge of the observatory and what their science interests were. At the same time, the city grew around that facility, the light pollution increased, and it became difficult to carry out scientifically worthwhile astronomical observations, believes Anand.

He says the future of this place lies in reviving the facility into a science history museum, and an astronomy public outreach facility and thus help. . This is probably the best way to help the future generations bond with local history. The place is of national importance; it is the second oldest modern astronomical observatory in India, after the Madras Observatory, he asserts.

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Star gazing with astronomers of the past - The Hindu

Astronomer Andrea Ghez on the responsibility that comes with a Nobel Prize – UChicago News

Astrophysicist Andrea Ghez was awarded the 2020 Nobel Prize in Physics for discovering the supermassive black hole that lurks at the center of the Milky Way.

Ghez led a team that carefully measured the movements of stars at the center of the Milky Way, showing that these stars were revolving around something incredibly heavy. That black hole, named Sagittarius A*, is thought to have played an important role in the formation of our galaxy. She also developed a technique known as speckle imaging, which combines many short exposures from a telescope into a single, crisper image.

A professor at the University of California, Los Angeles, Ghez grew up in Chicago and is a 1983 graduate of the University of Chicago Laboratory Schools, an N-12 school renowned for its pioneering approach to education. Last month, she gave a colloquium at the UChicago physics department explaining how to prove a black hole exists.

Ahead of the Nobel Prize award ceremony on Dec. 10, she spoke with UChicago News about her love of science, how to get back up again after running into obstacles in life, and the responsibilities that come with winning sciences top honor.

You become a spokesperson for science, she said. With being the fourth woman ever awarded in physics, theres an opportunity there to be a more visible role model. How do you want to use that opportunity to advance scienceyour science, science at large, and the opportunities for the next generation to do science. So Im still thinking a lot about that.

The full interview, edited for clarity, is below.

I love it! I think its all about what you love. You can endure a lot if you have passion for something.

Anything you do with great intensity comes with all kinds of interesting issues. In both science and life, youre going to experienceIm looking for a different word than failure, because its not really failure. Its bumps in the road. Its things not going how you planned or thought, and how to develop that ability to understand the idea that all challenges can be opportunities.

I have to say, thats become one of my favorite sayingsthat all challenges can also be opportunities. When I talk to my kids, I say that good faceplants are really important in life. You need to figure out how to get up and figure out what didnt work, and how you move forward. How do you take whatever you can learn from it, and just keep going? Because that always happens. It doesnt matter what field youre in. It doesnt matter what walk of life youre from. These things will present as challenges; how do you reposition yourself so that you can make progress?

Well, you know, the first time I proposed to do this [now Nobel-winning] experiment to get telescope time, it was turned down. To me, it was so obvious that it was such a good idea! I realized when youre trying to convince a group of people to do something that hasnt been done before, just because you think its a good idea, that doesnt mean theyre going to accept it.

So it forced me to articulate the science better. Thats the opportunity: Figure out what they didnt like and strengthen the argument.

The most interesting moments scientifically are when you talk to somebody with a really different point of view. Often you can find deeper truths, or the weaknesses in work, by having dialogues. In fact, thats why I like giving talks about my work at other universities, because you present it to different audiences and they often have something new to offer, or something you didnt think of.

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Astronomer Andrea Ghez on the responsibility that comes with a Nobel Prize - UChicago News

Tiger Woods rookie card grabs an astronomical fee and it can still be yours (we think) – Golf Digest

For those who used to subscribe to Sports Illustrated for Kids, now would be a good time to call your parents and pray they are hoarders.

This week a mint Tiger Woods card sold for $26,400 at a Dallas auction. At least, we think thats what it sold for. On the Heritage Auctions website, the item has SOLD next to its lot, although it appears the seller might be willing to give it to you for the small sum of $34,000.

Crazy thing is the card was not technically a trading card, as it came in a sheet distributed in an issue of SI for Kids. The card was issued in 1996, Woods rookie season on the PGA Tour, in which he won twice.

Now, $26,400 for a card that came in a kids magazine may seem a tad overboard. Its just cardboard with a photo, right? Well strap in, sports fan, because the same auction house sold a rare Wayne Gretzky card for a whopping $1.29 million earlier in the week. (We mentioned you should call your parents, yes?)

Collectible cards are graded for perfections and imperfections, like how well it was preserved or how much it has deteriorated. PSA weeds out the fakes. They grade by numbers: 1 (poor) to 10 (gem mint), with the Woods card receiving a 10 score.

Woods memorabilia tends to be a hot ticket on the auction circuit. In September a replica of Woods Cameron putter sold for $150,000.

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Tiger Woods rookie card grabs an astronomical fee and it can still be yours (we think) - Golf Digest

The Conversation: I’m an astronomer and I think aliens may be out there but UFO sightings aren’t persuasive – New Zealand Herald

Many people who say they have seen UFOs are either dog walkers or smokers. Photo / 123RF

OPINION: By Chris Impey

If intelligent aliens visit the Earth, it would be one of the most profound events in human history.

Surveys show that nearly half of Americans believe that aliens have visited the Earth, either in the ancient past or recently. That percentage has been increasing. Belief in alien visitation is greater than belief that Bigfoot is a real creature, but less than belief that places can be haunted by spirits.

Scientists dismiss these beliefs as not representing real physical phenomena. They don't deny the existence of intelligent aliens. But they set a high bar for proof that we've been visited by creatures from another star system. As Carl Sagan said, "Extraordinary claims require extraordinary evidence."

I'm a professor of astronomy who has written extensively on the search for life in the universe. I also teach a free online class on astrobiology. Full disclosure: I have not personally seen a UFO.

UFO means unidentified flying object. Nothing more, nothing less.

There's a long history of UFO sightings. Air Force studies of UFOs have been going on since the 1940s. In the United States, "ground zero" for UFOs occurred in 1947 in Roswell, New Mexico. The fact that the Roswell incident was soon explained as the crash landing of a military high-altitude balloon didn't stem a tide of new sightings. The majority of UFOs appear to people in the United States. It's curious that Asia and Africa have so few sightings despite their large populations, and even more surprising that the sightings stop at the Canadian and Mexican borders.

Most UFOs have mundane explanations. Over half can be attributed to meteors, fireballs and the planet Venus. Such bright objects are familiar to astronomers but are often not recognized by members of the public. Reports of visits from UFOs inexplicably peaked about six years ago.

Many people who say they have seen UFOs are either dog walkers or smokers. Why? Because they're outside the most. Sightings concentrate in evening hours, particularly on Fridays, when many people are relaxing with one or more drinks.

A few people, like former NASA employee James Oberg, have the fortitude to track down and find conventional explanations for decades of UFO sightings. Most astronomers find the hypothesis of alien visits implausible, so they concentrate their energy on the exciting scientific search for life beyond the Earth.

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While UFOs continue to swirl in the popular culture, scientists are trying to answer the big question that is raised by UFOs: Are we alone?

Astronomers have discovered over 4,000 exoplanets, or planets orbiting other stars, a number that doubles every two years. Some of these exoplanets are considered habitable, since they are close to the Earth's mass and at the right distance from their stars to have water on their surfaces. The nearest of these habitable planets are less than 20 light years away, in our cosmic "back yard." Extrapolating from these results leads to a projection of 300 million habitable worlds in our galaxy. Each of these Earth-like planets is a potential biological experiment, and there have been billions of years since they formed for life to develop and for intelligence and technology to emerge.

Astronomers are very confident there is life beyond the Earth. As astronomer and ace exoplanet-hunter Geoff Marcy, puts it, "The universe is apparently bulging at the seams with the ingredients of biology." There are many steps in the progression from Earths with suitable conditions for life to intelligent aliens hopping from star to star. Astronomers use the Drake Equation to estimate the number of technological alien civilizations in our galaxy. There are many uncertainties in the Drake Equation, but interpreting it in the light of recent exoplanet discoveries makes it very unlikely that we are the only, or the first, advanced civilization.

This confidence has fueled an active search for intelligent life, which has been unsuccessful so far. So researchers have recast the question "Are we alone?" to "Where are they?"

The absence of evidence for intelligent aliens is called the Fermi Paradox. Even if intelligent aliens do exist, there are a number of reasons why we might not have found them and they might not have found us. Scientists do not discount the idea of aliens. But they aren't convinced by the evidence to date because it is unreliable, or because there are so many other more mundane explanations.

UFOs are part of the landscape of conspiracy theories, including accounts of abduction by aliens and crop circles created by aliens. I remain skeptical that intelligent beings with vastly superior technology would travel trillion of miles just to press down our wheat.

It's useful to consider UFOs as a cultural phenomenon. Diana Pasulka, a professor at the University of North Carolina, notes that myths and religions are both means for dealing with unimaginable experiences. To my mind, UFOs have become a kind of new American religion.

So no, I don't think belief in UFOs is crazy, because some flying objects are unidentified, and the existence of intelligent aliens is scientifically plausible.

But a study of young adults did find that UFO belief is associated with schizotypal personality, a tendency toward social anxiety, paranoid ideas and transient psychosis. If you believe in UFOs, you might look at what other unconventional beliefs you have.

I'm not signing on to the UFO "religion," so call me an agnostic. I recall the aphorism popularized by Carl Sagan, "It pays to keep an open mind, but not so open your brains fall out."

- Chris Impey, University Distinguished Professor of Astronomy, University of Arizona

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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The Conversation: I'm an astronomer and I think aliens may be out there but UFO sightings aren't persuasive - New Zealand Herald

WW3 fears: Putin ramps up war chest with worlds best tanks and heavy strike drones – Daily Express

Putin doesnt care about condemnation from West says expert

The hi-tech corporation Rostec said it would make deliveries to troops in 2021. On Monday, Sergei Chemezov, the head of Russian defence manufacturer Rostec said: "Serial deliveries of the T-14 tank based on the Armata platform will begin in 2021. This is, undoubtedly, the worlds best tank today.

"In the future, this vehicle will become the main battle tank in the Russian Army."

He added: "We are advertising this tank to foreign customers.

"This year, it was demonstrated live at the Army forum.

"Visitors could come up to it, take a picture of it and touch it.

"It is a pity it has been impossible to demonstrate it abroad yet due to the absence of foreign exhibitions."

The company has said there will be an autonomous version of the tank.

Mr Chemezov said: "A number of our other enterprises are working on developing such systems.

"Even the Armata was tested as an unmanned tank.

READ MORE:WW3 fears: Russia launches fire-spouting 'flying tank' in weapons test

"Of course, this will not be a serial-produced vehicle."We are testing unmanned technologies on it."

He also stated how the crewed version of the tank will also have many autonomous functions ultilising artificial intelligence.

He said: "The Armata crew does not need to aim accurately.

"It only has to aim the gun roughly.

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"Electronics will do all the rest.

"It will accurately determine the distance to the target and aim the gun at it.

"That is, the vehicle uses artificial intelligence elements that help the crew deliver fire."

The company has also developed a new fleet of heavy strike drones for the Russian military.

The head of Rostec Mr Chemezov announced: "We already have the carriers and the work in this area is being carried out not only by Rostec enterprises but also by the Urals Civil Aviation Plant and Kronshtadt Company."

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WW3 fears: Putin ramps up war chest with worlds best tanks and heavy strike drones - Daily Express

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World War 3 warning: UK, France and Germany deeply concerned about Iran nuclear programme – Daily Express

Iran: MPs chant in Parliament after passing nuclear bill

The Iranian Parliament recently passed a law which if implement would expand Tehrans nuclear programme and limit the monitoring access of the International Atomic Energy Agency (IAEA). This comes amid growing tensions across the globe.

The three powers said in a joint statement: "If Iran is serious about preserving a space for diplomacy, it must not implement these steps."

This comes after Iran told the United Nations nuclear watchdog it plans to install three more clusters of advanced IR-2m centrifuges at its underground uranium enrichment plant at Natanz.

The agency wrote: Iran informed the Agency that the operator of the Fuel Enrichment Plant (FEP) at Natanz intends to start the installation of three cascades of IR-2m centrifuge machines at FEP.

They added these were in addition to one of IR-2m machines already used for enrichment there.

But under Irans nuclear deal with major powers, Tehran can only use first-generation IR-1 centrifuges at the underground plant.

These are also the only machines Iran can accumulate enriched uranium with.

This latest move comes as Iranian Foreign Minister Mohammad Javad Zarif said his country will not agree to renegotiate elements of the international accord limiting its nuclear programme.

He said: It will never be renegotiated. Period.

READ MORE:World War 3 MAPPED: The SIX places where WW3 could break out in 2020

The Minister also admitted Tehran will not agree to any curbs on its missile programme unless Western countries stop their malign behaviour in the Middle East.

He added: As long as theyre not able to out up, they have to shut up.

Under the Trump administration, the US imposed crippling sanctions on Iran after Donald Trump withdrew from the nuclear agreement in 2018.

Iran began publicly exceeding enrichment limits set by the agreement saying it would return to compliance if the US did the same.

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Mr Zarif continued: The US has been in grave breach of that resolution because the Trump administration has been a rogue regime.

Now if President-elect [Joe] Biden wants to continue to be a rogue regime, then he can continue to be asking for negotiations to implement its commitments.

The United States must stop, the United States must cease its violations of international law.

It doesnt require any negotiations.

Mr Biden - who beat Mr Trump in the US election last month - has hinted the US will return to the deal.

He told the New York Times if Iran returned to compliance, the US would rejoin and he would seek to tighten Tehrans nuclear constraints.

But this was met with criticism by Mr Zarif who argued they will not renegotiate a deal which they have already negotiated.

He said: Last year, the West sold to the Persian Gulf more weapons than it sold to any other part of the world.

Over $100billion worth of weapons were sold to this region.

Is the West ready to stop this malign behaviour?

When they are ready to deal with those problems of their own malign behaviour in the region then they can start talking about other things.

The two countries were on the brink of war back in January after US forces killed Iranian major general Qassem Soleimani during a missile strike in Iraq.

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World War 3 warning: UK, France and Germany deeply concerned about Iran nuclear programme - Daily Express

Posted in Ww3

World War 3 MAPPED: The SIX places where WW3 could break out in 2020 – Express.co.uk

World War 3 concerns were triggered around the globe following the death of Iranian Major General Qassem Soleimani in a US airstrike in January. Now as a killer infection spreads across the globe and riots over police brutality have sparked across the world, leading to World War 3 concerns again. Given the tense relations between countries around the world, Express.co.uk has compiled a guide for the flashpoints where World War 3 is most likely to erupt in 2020.

On Friday, January 3, the USA undertook a drone airstrike following a series of orchestrated attacks on coalition bases in Iraq over the past few months and attacks on the US Embassy in Baghdad, all of which was done on the orders of General Soleimani.

US President Donald Trump approved of the assault on General Soleimani claiming the action was undertaken to make the world a safer place.

In a statement, the Pentagon said: At the direction of the President, the US military has taken decisive defensive action to protect US personnel abroad by killing Qassem Soleimani.

It added: This strike was aimed at deterring future Iranian attack plans.

The United States will continue to take all necessary action to protect our people and our interests wherever they are around the world.

Now Iran has sworn harsh revenge and promised to turn day into night.

This assassination has been dubbed by many high-ranking Iranians a declaration of war.

Donald Trump has warned the US could act disproportionately if Iran targets any American person or target in revenge for the killing of Major General Qassem Soleimani.

Since that time, Iran "unintentionally" shot down a Ukranian passenger jet which saw 176 people killed.

This week an Iranian prosecutor has issued an arrest warrant against Mr Trump and has asked for Interpol's support, however, the policing authority has refused to back the arrest warrant.

READ MORE:Iran attack: Ukranian plane shot down accidentally, says US

Tensions between Iran and Israel have been frustrated for a while with low-intensity warfare raging across the Middle East as a result.

The former nation supports anti-Israel groups in Gaza, Syria and Lebanon in particular, while Israel often strikes at Iranian forces across the region.

Overall, Israel has endeavoured to create an anti-Iran coalition at a diplomatic level, while Iran has invested in cultivating ties with militias and non-state actors.

While it may be difficult to claim these nations will launch into a wider war if Iran is determined to restart its nuclear program, Israel may choose to engage in wider strikes hitting the Iranian homeland directly.

This type of assault could have wider implications as it could prove to be a threat to global oil supplies which would inevitably cause more nations to intercede.

Tensions between the US and Turkey has heightened over the past year, initially as a result of the US providing authorisation to Turkey to clear the Syrian border of US-supported Kurds.

However, immediately afterwards, the US threatened Ankara with sanctions, causing tensions to rise.

Additionally, Turkish President Recep Tayyip Erdogan suggested he has aspirations for Turkey which could involve nuclear weapons.

As a result, the state of the US-Turkey relationship has worsened, causing fear about the subsequent impact on the NATO alliance.

President Erdogan is known for being passionate about his plan which could force Washington and Ankara to the very edge and have a result on Russia who is a neighbouring nation.

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In the past 10 years, the relationship between India and Pakistan has worsened, bringing the countries to the brink of war.

Since the partition of British India in 1947 and the subsequent creation of India and Pakistan, the two countries have been involved in a number of wars, conflicts and military stand-offs interspersed with periods of harmony and peace.

In 2019, Prime Minister Narendra Modi attempted to reduce the autonomy of Kashmir and to change citizenship policies within the rest of India.

These steps have caused some unrest within India and highlighted the long-standing tensions between Delhi and Islamabad.

Further domestic disturbances in India and Pakistan could lead to World War 3.

While this is unlikely, it could lead to terrorist attacks internationally or in Kashmir.

Prime Minister Modi might then feel forced to bring on a more serious conflict and given Chinas vicinity, and the growing relationship between Delhi and Washington could lead to more disastrous international implications.

Fundamental tensions at the heart of the US-North Korea relationship could result in combative action.

Tensions between the two countries now stand as high as at any time since 2017, and the impending US election could imperil relations further.

President Trumps administration appears to hold out hope a deal with North Korea could improve its electoral prospects in November.

But North Korea has little to no interest in Mr Trumps offering.

Recently, North Korea promised a Christmas present that many in the United States worried would be a nuclear or ballistic missile test.

However, this was not the case, but if the country did undertake a nuclear test, the US might be forced to intervene.

Last Thursday, the Hai Yang Di Zhi 8 left the port of Sanya, on China's Hainan Island and was joined by the CCG vessels this week.

These vessels were 92 nautical miles off the coast of Vietnams Binh Dinh province as of yesterday morning, deep into the 200-nautical mile EEZ, and were further accompanied two Chinese maritime militia ships, the Dongtongxiao00235 and the Min Xia Yu 00013, Radio Free Asia reported.

Gregory Poling, director of the Asia Maritime Transparency Initiative in Washington, told the Foreign Correspondents Association of the Philippines in an online news conference: What is pretty obvious is Chinas not going to stop.

"If a global pandemic doesnt cause China to calm things down in the South China Sea, theres not much that will.

The number one thing that we should think to look into is international economic sanctions.

We have never had a discussion about sanctioning the actors behind the Chinese maritime militia."

"China admits it has a maritime militia, and its a clear violation of international law.

They are operating on the same policy framework which is to go out, assert rights, harass neighbours, do whatever you want."

The US-China relationship has been particularly tense in recent years.

A trade deal between the two countries would seem to alleviate some tensions but implementation remains in question.

Currently, the worlds two largest economies are locked in a bitter trade battle.

The dispute, which has simmered for nearly 18 months, has seen the US and China impose tariffs on hundreds of billions of dollars worth of one anothers goods.

President Trump has long accused China of unfair trading practices and intellectual property theft, while in China, there is a perception that the US is endeavouring to curb its rise as a global economic power.

At the same time, China has worked defiantly to assure its relations with Russia, while the US has sparked controversies with both South Korea and Japan, its two closest allies in the region.

Donald Trump and President Xi have staked much of their political reputations on the trade situations in each country and therefore both have incentives for diplomatic and economic escalation.

If the situation were to escalate, it could lead to military confrontation in areas such as the South or East China Seas.

The tension has escalated amid the coronavirus pandemic, with Mr Trump accusing the country of engineering the fatal infection in a laboratory.

He claims to have seen evidence corroborating the development of coronavirus from a Chinese lab.

Mr Trumpannounced on Tuesday that the United States was devising a strict response to China's proposed national security legislation for Hong Kong and that the plans would be revealed by the end of the week.

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World War 3 MAPPED: The SIX places where WW3 could break out in 2020 - Express.co.uk

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China accuses UK and France of huddling with US ahead of joint military drills – Daily Express

South China Sea: Military exercises must continue says expert

Chinese state media outlet The Global Times lashed out against the western military drills scheduled for next year. Both the British and French navy will set course for Japanese waters to show force in the region. Japan and China have seen escalating tensions over competing territory claims in the East China Sea, but have attempted to remain diplomatic. It also comes as Beijing and Washington have escalated their deployment of maritime forces in Chinese-claimed waters this year, as tensions in the South China Sea continue to grow.

The Global Times blasted the European nations for joining in with Japan and the US military endeavours in Chinese-claimed waters.

It said in a report: The UK and France are actually trying to huddle together with the US for warmth. The two European countries clearly know that their military strength is not enough for their global ambitions.

So they want to expand their influence by borrowing plumes from Washington. From this perspective, their move to send warships to the Asia-Pacific region is more symbolic than substantive.

Zhang Junshe, author of the Global Times report, added their involvement came after Japan internationally accused China of violating territory claims, which Beijing disputes.

READ MORE:WW3 fears: Putin ramps up war chest with worlds best tanks and heavy strike drones

Japans joint military efforts were also rubbished by Mr Zhang in the report, and claimed the UK and France have their own aims in joining the drills.

The report said the European countries don't necessarily really support Japan's claims and claimed China has sufficient evidence to prove Japanese-claimed islands are rightfully owned by Beijing.

Mr Zhang also added in his report Britain and Frances involvement in the East China Sea is more to appease the incoming US President Joe Biden.

He said: Both London and Paris want to show their loyalty to Washington. Their support for Tokyo is nothing but a gesture. They know how much they can actually do.

France is set to join in with Japan and the US for land and sea drills in May.

Japanese media outlet Sankei said the exercises will be conducted on one of the countrys uninhabited islands with a focus on relief efforts against a natural disaster.

But the paper added the joint drills can form the basis for a defence against attacks from Beijing on Japanese-controlled islands.

Admiral Pierre Vandier, chief of staff of the French navy said in a separate interview with Sankei: We want to demonstrate our presence to the region and send a message about Japan-France cooperation.

This is a message aimed at China. This is a message about multi-lateral partnerships and the freedom of passage.

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The British Navy is also set to send an aircraft carrier strike group to Japanese waters in spring next year, also according to Sankei.

Britains involvement with Japan is separate to the French drills, but is also meant to show its presence in the Asian-Pacific region.

HMS Queen Elizabeth is set to lead the strike forces drills with the American and Japanese forces in its stay off the coast of the Nansei Islands, according to Asian news outlet Nikkei.

Both France and Britains naval involvement in the Asian territory is rare, and comes after Chinas increasing aggression to neighbouring states.

The simmering military row comes after China and the US, under President Donald Trump, have traded sanctions and competing military drills throughout the year in the South China Sea.

Beijing recently launched its second aircraft carrier, the Shandong, into the South China Sea for routine pathing and deterrence against attackers.

Washington has in turn held joint naval drills in the disputed waters with Tokyo, New Delhi and Canberra in an effort to counter Chinese aggression.

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China accuses UK and France of huddling with US ahead of joint military drills - Daily Express

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The 5 books that helped me get on track to achieve financial independence in my 40s – CNBC

I have never been a big reader. Picking up a book and blazing through 100 pages never came naturally to me. But there is one topic that interests me more than anything else: personal finance.

Personal finance and investing books have been my go-to genre for the past couple of years now, and there are a few books that have helped me develop the wealth-building strategies that have put me on track to retire as early as my 40s.

These books also inspired me to create my personal finance website, Just Start Investing. Reading the insights of these experts set me straight when it came to investing and outlined some great tips on improving your personal finances that I continue to use today.

Here are my five favorite personal finance books.

Burton Malkiel is a Princeton economist and advocate of the random walk theory (that stock prices change at random and cannot be predicted). Not surprisingly, Malkiel also supports the idea of index investing and matching the market instead of trying to beat it, since trying to beat it is not sustainable over the long run, according to his research.

The insight from this book is one of the reasons that instead of trading individual stocks, I opt to invest in index funds and ETFs.

If "The Little Book of Common Sense Investing" is a 101 course in investing, I would say that "A Random Walk Down Wall Street" is the 201 course that takes things a small step further and gets into the complicated details a bit more.

Rounding out my three favorite investment books is "The Only Investment Guide You'll Ever Need" by Andrew Tobias.

A bold title that, in my opinion, lives up to its name. The book is more than just a pure investment guide: It covers topics such as budgeting as well as stock markets, retirement planning, taxes, and estate planning.

Specifically, I found his approach to budgeting very interesting. Andrew points out that an extra dollar saved is much more valuable than an extra dollar earned. That's because you need to pay taxes on an extra dollar earned, whereas on the dollar saved you get to keep the full thing. It was a good reminder that saving money and spending wisely can be even more impactful than making more money at times.

The best part is that Tobias is a natural writer with a degree in literature. The book is fast paced and has hints of wit and humor throughout. It's definitely the easiest read of these first three.

A few years back, I was reading "I Will Teach You to Be Rich" on my morning commute. Since I was only reading for my 10-15 minute ride to work once a day, it took me a long time to finish a book, usually a month or two.

After a few weeks, one early morning on the train platform, a woman asked me, "So, how's it going?"

Confused and half asleep, I answered, "Fine?" She clarified, "I mean, are you rich yet? I've seen you reading that book for a few weeks now and want to know the secret!" Turns out, we had been taking the same exact train and sitting in the same exact car most days.

While you will not learn how to become rich overnight, the books does teach you how to build a rich life.

Video by Ian Wolsten

Living a rich life means many things, but my biggest takeaway from the book is that you can spend money on things you enjoy. That's right, a personal finance book recommends that you spend money. The flip side of the recommendation is that you need to cut back aggressively on spending that doesn't bring you value.

For me, it was refreshing to hear that I can spend money on travel, food, and outdoor activities as long as I balanced that out by not spending on things that didn't bring me value.

While "The 4-Hour Workweek" isn't necessarily a personal finance book, I do think the principles that Tim Ferriss outlines in this book can help improve your overall life, including your personal finances.

One of the biggest themes of the book is automation. To automate things in your life is to make them easier and to free up more time.

When it comes to personal finance, automation can not only do both of those things, but it can also help you achieve your goals. If you are struggling to save, setting up automatic transfers to move money to a high-yield savings account or investment account every month will ensure you actually take action.

Currently, I'm reading "The Millionaire Next Door" by Thomas J. Stanley. It's an interesting book about how most of America's millionaires are not professional athletes or movie stars. Instead, they are people who worked hard, saved diligently, and created a sizable nest egg to live on.

Next on my list to read is "Rich Dad Poor Dad" by Robert Kiyosaki. I've been getting more interested in real estate, which I know is a tenet of this book, and am eager to learn more.

Writing this list made me realize I really need to go back and reread some of the classics. "The 4-Hour Workweek" will likely resonate with me more since starting Just Start Investing. And it's been awhile since I read that first trio of investment books, and they are for sure worth another look. I hope you enjoy them too.

Kevin Panitch is an experienced personal finance writer and founder ofJust Start Investing,a personal finance website that makes managing your money easy. Just Start Investing has been featured on Business Insider, Forbes, and U.S. News & World Report, among other major publications, for its easy-to-follow writing and informative articles. You can follow Kevin and Just Start Investing on Twitter at @juststartinvest.

The article "5 Books That Helped Me Get on Track to Achieve Financial Independence in My 40s" originally published on Grow+Acorns.

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The 5 books that helped me get on track to achieve financial independence in my 40s - CNBC

Disabled San Antonio Man Receives The Gift Of Mobility and Financial Independence From Exceptional Team Of Local Creators At Cruising Kitchens -…

DISABLED SAN ANTONIO MAN RECEIVES THE GIFT OF MOBILITY AND FINANCIAL INDEPENDENCE FROM EXCEPTIONAL LOCAL CREATORS

The normal tasks like going to the grocery store or a friend's house that most people take for granted, are some of the things Xavier is looking forward to the most. "I think for most people they'll think oh it's just a car right, but it's much more than that. It's like freedom, it's opportunities, it's experiences that I haven't experienced yet, but with this new vehicle I'll be able to do so. Most importantly, I'm going to be able to take my wheelchair, because my wheelchair is like an extension of myself. It's like my legs for me," Xavier emphasizes. "I was tired of hearing the stories of him being told no, so I knew that we had to jump in the action, and step up in a big way," Cameron stated. He added, "I say every Monday that attitudes are contagious, and he has the best that I've ever seen. During the process of working with him on the van design, I fell in love with him as a person and that is why I decided to give him the job."

Behind every great man is a great woman and Xavier's mother Nora has been his biggest supporter from the beginning. "This experience has been amazing to say the least, and it played right into how we have experienced life. When I was pregnant with Xavier I was told he would not live, and he did." She reveals. "Then it was, he would not walk, and he did, and also that driving was not possible for him, and he is now driving on his own! It is the most incredible feeling to have so many caring strangers be part of my child's life journey and I am forever grateful...My son deserves this, and I will support him in all of his dreams and adventures!"

Xavier has his driving test scheduled for the 16th of this month and he couldn't be more excited. Until then, he's happy just to be able to do donuts in the parking lot of his new place of employment. A whole new world is about to open up for this young man and he is ready to take on whatever comes next.

See this inspiring story unfold on the new episode of Built for Business airing this Thursday 6:30p/5:30p CT on Motor Trend TV. Check your local listings.

SOURCE Cruising Kitchens

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Disabled San Antonio Man Receives The Gift Of Mobility and Financial Independence From Exceptional Team Of Local Creators At Cruising Kitchens -...

The 10 Wealth & Finance Experts To Watch in 2021 – GlobeNewswire

New York, New York, Dec. 10, 2020 (GLOBE NEWSWIRE) -- When it comes to financial mastery, where do you find yourself on the spectrum? Are you on the road to financial freedom, or are you struggling to make ends meet? Money and wealth in particular, are both touchy subjects for many, as a lot of us have been conditioned from a young age to believe being wealthy is a bad thing. It is exactly this mindset that keeps people in scarcity, which is why according to Boost Media Agency, a wealth and finance coach is the perfect thing you need to regain control of your financial life. If youre looking for financial clarity, and confidence around creating wealth, look no further. Each with their own unique areas of expertise, here we present the 10 wealth and finance experts to watch in 2021.

Cherry Tung (@cherrytung.co)

Cherry Tung is known in the community as the go-to person when it comes to dividend investing, wealth building, and income stream creation content on YouTube. Her channel has grown over the years as she shares tips on personal finance. With over seven years of experience in online marketing, she wanted to reach more people and build a community of empowered millennials as they navigate their lives into financial freedom.

Outside of her vlogs, Cherry is working as a wealth coach. Most of her clients are corporate workers wanting to create additional income streams that align with their passion and expertise. Her approach in coaching is rooted in her personal experience as she created 16 income streams, invested multiple 6 figures in the stock market and reached 7 figure net worth for herself by the age of 25. And she did all that while working a full-time corporate job!

Cherrys background in corporate finance and her endeavors in online marketing helped her build the right skills to teach other people to increase their monthly revenue. On average, her clients can create three new income streams in just eight weeks, reaching their first 4 to 5-digit monthly revenue in their brand new income streams! Watching her clients grow their income streams and net worth is one of Cherrys greatest fulfillment as a wealth coach. In the stock market, Cherrys largest public investment portfolio has returned over 70% year to date. She is more than eager to help more people reach and exceed their financial goals through her extensive knowledge and experience in both online marketing and finance!

Johny Gunawan (@johnygunawan)

A Serial Entrepreneur & Leader who has been building & developing businesses since 2002, Johny Gunawan is an expert in the field of personal development and finance. He is an active member in many NGO, Career & Financial organizations and recently founded his own company, 7G Wealth, a wealth consultant company which achieved high-speed growth, expanding to become Hartanah Group.

Hartanah Group helps their clients with the wealth creation process, how it is applied, and delivering products as a solution. Their products are Cooperative, Business Education and Equity Crowdfunding, and they are the only one in Indonesia to provide Public Auditor Reports - becoming one of the most transparent and performing cooperative in Indonesia. Being able to be supported by hundreds and thousands of crowd investors, as well as customers to become more sustainable puts them in a very unique position in the market.

Johnys wealth creation and accumulation strategies are applied to delivering financial products as a solution, combined with world class risk management principles. Thats why they are able to keep on delivering their promise and manage their liquidity risk, even in the midst of a pandemic. Johny also achieved the youngest certified Master Trainer in Career Direct GE International history, educating and certifying people all around the world.

Dominique Mullally (@dominiquemullally)

With over 20 years of experience in the financial services industry, Dominique Mullally also boasts of qualifications in NLP (Neuro-Linguistic Programming), EFT (Emotional Freedom Techniques), and Analytical Hypnotherapy. Unlike many others, Dominique has both the experience and qualifications to coach people towards wealth mastery not just one or the other. She has extensive experience in advising both offline and online businesses on how to maximize profitable opportunities and leverage for personal wealth.

As the founder of Financially Fierce Females, Dominique is on a mission to expand womens consciousness on business wealth while arming them with the right skill set and mindset. Through monthly memberships and through her signature program, Women of Wealth Accelerator, she empowers women to take control of their finances and achieve their financial goals. Taking a two-pronged approach, she encourages women to bridge the gap between mindset and skill set to fundamentally grow their money to work hard for them, rather than them having to work hard for it.

Dominique walks the talk as she has achieved financial independence at the age of 31 using the same strategies she teaches. She has a portfolio of assets that afford her an invaluable power of choice. This is a woman who knows how to make her money work for her.

Nancy Nnadi (@coachnancynnadi)

An award-winning serial entrepreneur who paid her way through school with the meagre 3000 she was earning as an office assistant is the CEO of a multi-million Naira business Agunancy Nig. Ltd (aka Gidco Telecoms), which she founded 14 years ago. Nancy Nnadi is also the founder of JobconnectNG Consulting Limited, Agunancy Multipurpose Co-operative Society Limited, and The Nancy Nnadi Company. She is a member of the board of directors, Cititrust Financial Services Group PLC, a subsidiary of Cititrust Holdings PLC.

Through her business structure and finance coaching, she helps entrepreneurs go from scarcity to abundance, using her signature "5 Wallet System". Today, she devotes her time to helping small business owners manage and multiply their business finances, attain and sustain growth in their business, through speaking, coaching and training.

Nancy's faith is at the center of her work, and biblical principles have helped her rebuild her life even after her first business failed. Anybody can weather the storm if they are willing to follow principles and structure their business Nancy explains.

As someone who sponsored herself through school after losing her dad at age 18, Nancy knows what it means to start from nothing - she spreads this message of inspiration and intentional action through various platforms by speaking in conferences, churches, and corporate communities; inspiring entrepreneurs to do business diligently, intelligently, and ethically. Her wealth and finance coaching is world class, and is certainly one to keep an eye on in 2021.

Kathleen Di Paolo (@wanderers.wealth)

Kathleen Di Paolo is a full-time traveler, founder, and CEO of Wanderers Wealth. She has accumulated invaluable experience in advising clients how to do business abroad, solve international residency, and global incorporation matters from her traveling and her previous work as an international tax lawyer and in diplomacy. With her international profile, she has visited over 40 countries, lived in more than 3 different countries, and is fluent in 5 different languages. From her 2 years of full-time traveling, she has helped hundreds of digital nomads, remote workers, freelancers, expats, location-independent entrepreneurs around the world with their international tax and corporate concerns.

Wanderers Wealth is fully committed to helping people with all things tax-related such as tax residency, incorporating a business to minimize taxes, and banking solutions. Their clients are ensured to get the highest level of support by presenting them with alternative international strategies based on their personal needs, figuring out which countries are best suited for them to obtain tax residency, or what business structure will benefit them the most. They break down all the negative stereotypes surrounding taxes and offshore companies. They believe that businesses dont need to be as big as Google or Amazon before deciding on a tax strategy. The companys vision is to be the leader in providing personal consulting to clients unique circumstances and the ever-changing environment by providing digital products that are within everyones budget.

Kathleen possesses a broad range of competencies in the international business and tax industry. She believes that getting a quality international tax consultant will save businesses a lot of time, money, and stress for many years. She ensures that her clients have a proper understanding of the implications of the international tax strategies and corporate structures and help them navigate through an increasingly tough regulatory and tax environment.

Simone Mercer-Huggins - @mswealthyofficial

Meet Simone Mercer-Huggins, founder of Ms Wealthy. Ms Wealthy is a no-BS financial education and empowerment company for women, here to normalise wealth amongst women by teaching them to invest, build wealth, create financial freedom and become confident around making, keeping and growing money. Ms Wealthy is about combining both practical money management and wealth building strategies with money mindset - because you can't have one without the other Simone says.

Simone also hosts a podcast called Kiss My Money, as well as online programs to teach women how to manage their money, invest in the stock market and how to master the mindset of wealth. Through her coaching, programs and podcast, Simone has been able to create a space where women can feel safe in a typically intimidating male dominated financial industry. I aim to make finance fun... ultimately I want all women to be wealthy Simone says. My holistic and integrative approach - practical and mindset/energetic combined is what sets me apart as most other companies only focus on one aspect such as manifesting, without any practical money strategies, or very dry and dull strategies without the mindset piece, she states.

Lisa Seery (@lisaseeryfinance)

Lisa Seery is a money expert and financial coach who helps women eliminate money stress, gain financial clarity, and become confident creating wealth for themselves. After 15 years in the investment industry working with Global 100 clients, she felt pulled to help women in a more impactful way. She found passion educating women of all backgrounds on how to claim their financial power by spending in alignment with their values while saving and investing towards their goals.

After investing $220,000 in her early 30s, Lisa took a 19-month work hiatus to travel, decompress, and find grounding. During that time, she discovered two things that would inspire her future pursuits: how to fill her cup, and the opportunities that saving and investing afforded her. She knew she had to get more women talking about money without shame or fear. Wealth is something that every woman deserves yet so many women dont feel comfortable talking about it. Lisa also pursued her health coach certification and later nutritional therapy practitioner designation. Having a passion for health allows her to have a holistic view of money, the emotions involved, and the impact it has on womens self-worth and overall well-being.

Through her signature 90-day group program, Wealthy Within, Lisa teaches her clients how to have millions by the time they retire while still enjoying life. She strongly believes that strict budgeting is too restrictive, and you dont have to stop spending money in order to grow it. Aside from coaching, she also created a free starter guide and a self-paced investing course, Straight Up Investing. Lisa hopes to inspire more women to live unapologetically.

Helen Lu (@the.moneyminimalist)

Helen Lu graduated from the University of Delaware and paid off $25k in student loans while growing her net worth to over six figures all in just 4 years! She is currently a full-time Technology Consultant and Instagram content creator in her free time to share relatable personal finance tips for young professionals.

As a millennial herself, Helen knows more than anyone the desire to break free from the 9-5 grind and the importance of preparing for early retirement. She started The Money Minimalist in July 2020 to help busy millennials achieve these goals and to prove that anyone with the means to invest can become a millionaire by consistently investing in index funds. She teaches young investors the basics of saving and investing so they can walk away from their jobs with financial freedom and security. Helen provides a balancing perspective of enjoying life to the fullest while investing for an exciting future of traveling and living abroad without needing to work a 9-5.

On her Instagram platform, she reaches out to her audience by sharing how-to guides and tips on investing in company 401ks, Roth IRAs, HSAs, brokerage accounts, real estate, and many more! She is now offering personal coaching sessions and will be expanding her blog to offer downloadable content, expense trackers, and live workshop sessions!

Beatriz Alvarez Soto (@thewealthylatina)

Beatriz Alvarez-Soto is the founder of The Wealthy Latina, an online membership community created to empower, teach, and support Latinas on their journey to financial freedom. She started the community because shes passionate about improving peoples way of thinking towards money, connecting people to financial resources, and seeing women of color make more money for themselves.

Growing up in a first-generation immigrant family, she saw her mother gave up all financial power to her father simply because her mother felt like she was not earning enough to contribute to the financial decisions in their family. From such a young age, she already realized that managing money is highly influenced by emotions.

With nearly a decade of experience working in the financial industry, Beatriz was able to understand why most people were in debt, struggling to pay their bills, and living paycheck-to-paycheck. Realizing the need to spread financial literacy, Beatriz ventured into the world of coaching.

The Wealthy Latina is highly committed to increasing the financial literacy of Latinas. Inside the online membership, clients will be given access to 1:1 financial planners and money coaches. There are also sessions with financial experts who will share their strategies for acquiring wealth. Other educational resources will also be provided to help their clients achieve their financial goals. Lastly, all those who are part of the community will be able to interact with each other through a private forum, supporting each other as they transform the quality of their lives.

Helena Olivier-Guedes (@helenaolivierguedes)

Helena Olivier-Guedes is a South African wealth and finance coach with a background in Chartered Accounting. After working in external audits, she realized that helping small business owners, specifically creatives and coaches, is her passion. Due to this realization, she established her business, Helena Olivier-Guedes Finance Coaching & Consulting.

Helena Olivier-Guedes Finance Coaching & Consulting aims to assist coaches and creative business owners pay off their debt, increase their revenue by 95%, and triple their profits through finance, accounting, business coaching, and consulting.

Unlike many other coaching services, Helena provides not only coaching, but also implements financial organization systems for her clients. Combining her background in chartered accounting, love for business coaching, and understanding of a creative, she can relate to her clients and coach them with the technical skills necessary in their businesses.

Helena has worked with clients in UK, USA, Canada, Australia, and Europe. She believes that through entrepreneurship, finance, and accounting, she can help change the lives of thousands of business owners. If youre looking for an expert to help you with accounting and finance, Helena has the knowledge and breadth of experience to get you there.

Make sure to follow each of these amazing wealth & finance experts as they continue to thrive and help their clients build their wealth. Each of their Instagram's have been directly linked here. Finally, we would like to thank Boost Media Agency for taking the time to put this article together.

Media DetailsContact: Lewis SchenkCompany: Boost Media AgencyPhone: 3106001787Email: operations@boostmediaofficial.pageWebsite: http://www.boostmediaofficial.page

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The 10 Wealth & Finance Experts To Watch in 2021 - GlobeNewswire

Financial experts weigh in on 4 smart money moves to make before the end of the year – CNBC

Like most people, you're probably ready to say goodbye to 2020.

As you look forward to envisioning what your next year will look like, however, it's important to pinpoint what you do and don't want in your life. Perhaps you want to make 2021 the year you move into a new place, have a career switch, start building your family or finally pay off your credit card debt.

No matter what your goals are, it's likely that your finances will play a big part in achieving them. As you prepare to ring in a new year, experts agree that it's worth taking some time to reassess your financial situation.

"Especially after the year we just had, it is probably more important now to evaluate where your financial house stands," says Albert Lalonde, founder of Kaizen Financial Group.

End-of-year organization, such as updating your existing budget and retirement savings, can help set you up for financial success in the months ahead, especially in an unstable economy. While January calls for making resolutions, December calls for prepping your finances so you know how far you are from meeting those goals.

Below, financial experts weigh in on four smart money moves people should make before year's end.

Your first step of getting your finances in order for the new year is to understand where you are today financially.

"Make sure you know all your numbers," Lalonde says. This means looking at your budget, at both your monthly expenses and income, and seeing how that's changed over the pandemic.

For instance, if there are virtual fitness memberships you signed up for during the onset of the pandemic and haven't used lately, consider closing those accounts. See how you can curb your spending on basics, such as food. If you spent a lot on takeout and delivery this year, you can focus on cutting those expenses in 2021 and make a plan to buy groceries and cook at home. (Check out CNBC Select's ranking of the best credit cards for grocery shopping.)

In addition to helping you save, going through your budget can help you set goals and plan for the future.

"A new year is always a great time to assess your spending and expenses for opportunitiesto save more or accelerate your debt pay off," says Bola Sokunbi, a certified financial education instructor and author of "Clever Girl Finance."

And if you're married, Lalonde suggests talking through these numbers and your objectives together with your partner so you're on the same page.

Due to the ongoing economic fallout from the pandemic, you should keep in mind the unstable job environment.

According to the Organisation for Economic Co-operation and Development's (OECD) 2020 Employment Outlook, unemployment will remain high going into the new year with a jobs recovery not expected until after 2021.

"As we enter 2021, the economy is still reeling from the impact of Covid-19 and we are likely to continue to see economic impact until the virus is under control," Sokunbi says. "And, so as a result, it's important that individualsmake plans to create financial security for themselvesdespite the economic uncertainty."

Reviewing your budget will help you see where you stand, but then it's time to prep for the worst-case scenario. Sokunbi suggests starting to think about ways to create multiple streams of income in the event of a job loss.

"This could be getting a part-time job, starting a side hustle or even downsizingsomething you own," she says.

"Many of us have had a hard year," says Brian Allen, a certified financial planner at Pension Consultants and author of "Rewarding Retirement." "Financially, we may need to rebuild."

Expanding your emergency fund is a good place to start if you have any extra cash to set aside as 2020 comes to an end. The goal is to save at least enough to cover your core basic living expenses, such as housing, utilities, food, transportation and medicines.

However, it's likely you may not have that much money right now to put toward your emergency savings, and that's OK. In this case, try saving in a cyclical manner. This means that your savings ebbs and flows with your income stream if your cash inflow is inconsistent. For example, if you are making 25% less this month than you were last month, save 25% less than what you would. Making small goals for yourself, whether it's saving a specific dollar amount or a certain percentage relative to your current income, can help your savings stay consistent.

You can start with a small deposit into a high-yield savings account and then set up automated transfers from your checking into that account every month as 2021 begins. This way, you kick off the new year saving without having to think twice about it, and it will add up over time.

The best high-yield savings accounts don't require minimum deposits to open an account and have higher-than-average rates. Consider the Synchrony Bank High Yield Savings if you want easy access to your cash and the Varo Savings Account if you need extra help automating your savings.

The end of the year is always a good time to evaluate how much you are putting away for retirement no matter how far away it seems.

"Understandably this year, many of us have had to prioritize short-term financial needs above longer-term goals," Allen says. "Next to our home, our 401(k) plan is often our largest asset. How we manage it will determine whether we will havefinancial independence after our working years or struggle to pay the bills."

If you have some time off over the holidays, look over your retirement strategy, especially your contribution amount. To really benefit, you should be putting away enough in your 401(k) to meet your employer's contribution match if they offer one. And if you can afford it, consider making 2021 the year you max out your contributions.

If diverting money out of your paycheck leaves you with too little afterward, you may not yet be ready to up your contributions, but it's something to aim for as your income changes throughout next year. The general rule of thumb is to have at least 20% of your income go towards savings.

During this time, you may also want to re-visit your retirement goals, such as what age you want to retire at and what kind of lifestyle you want to have in retirement. To see how you stack up at your age against conventional savings guidelines, check out how much money you should have saved at every age.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the CNBC Select editorial staffs alone, and have not been reviewed, approved or otherwise endorsed by any third party.

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Financial experts weigh in on 4 smart money moves to make before the end of the year - CNBC

Synthesis of Evidence from Evaluations of UNHCR’s Cash-Based Interventions, November 2020 – World – ReliefWeb

Background

This paper summarises evidence and high-level findings from three evaluations of UNHCRs CashBased Interventions (CBIs), focusing on the protection outcomes of CBI. Links to the evaluations are included at the end of the document.

1. Appropriateness of CBIs

All evaluations concluded that CBIs are an appropriate and viable modality to meet basic needs and support a dignified life. They show that CBI is flexible and can be applied successfully in different contexts, including in camp, urban and transitory settings. This is reflected in the positive perceptions of cash among recipients across all three contexts, with the evaluations observing that having more choice and control is consistently viewed as a transformational aspect of receiving cash instead of in-kind assistance.

Across all three countries, the size of the cash transfer was however, insufficient to fully achieve the programmes objectives or to cover all basic needs, largely due to resource constraints. There is also evidence that there are some gaps in complementary programming and access to services, for example in food or health, resulting in refugees using cash to cover these gaps.

The evaluations, most notably the CBI evaluation synthesis in Jordan, recognize the benefits of blanket targeting but note that the shift to targeted assistance based on vulnerability in some settings may better respond to varied household needs and vulnerabilities.

Additionally, the evaluations recommend exploring investment in employment and livelihoods alongside CBI to better manage the resource fluctuations present in many humanitarian settings. However, as the evaluations observe, this is most likely to yield results in contexts where clear pathways to self-reliance and resilience are in place and the context is conducive for sustainable livelihoods. For example, the evaluation in Greece highlights the ongoing need for CBI as incomegenerating opportunities are limited, but also suggests that UNHCR leverages its CBI programming to encourage sustained livelihood activities and financial independence

See the article here:

Synthesis of Evidence from Evaluations of UNHCR's Cash-Based Interventions, November 2020 - World - ReliefWeb

The pandemic is undoing women’s physical and financial security – Policy Options

The finale for The Undoing was deemed by HBO to be its television event of the year, featuring Nicole Kidman and Hugh Grant as wealthy and beautiful Manhattanites embroiled in a murder mystery. The six-part miniseries relied on flashbacks that repeatedly revealed the grotesquely battered face of the young, racialized female victim. It was yet another example of the pornification of femicide and how its become normalized as entertainment.

As millions of people watched the fictional shows last episode on Nov. 29, United Nations Women had started its 16 Days of Activism Against Gender-Based Violence (from Nov. 25-Dec. 10). The UN Secretary General suggests that COVID-19 has meant an increase in the already existing pandemic of violence against women. One-in-three women worldwide will experience physical or sexual violence most by an intimate partner in their lifetime. And because of COVID, all types of violence have intensified making this a shadow pandemic.

Here in this country, 67 per cent of Canadians know a woman who has experienced sexual or physical abuse. Every six days, a woman in Canada is killed by her intimate partner. Canada spends $7.4 billion on spousal violence alone.

We hardly ever hear about this routinized violence though. Police have a tendency to keep intimate partner crimes quiet, considering them to be a private issue, even though according to Statistics Canada, they make up about 30 per cent of all police-reported violent crimes.

But theres more going on right now than just increased levels of violence. Womens financial and social independence are being threatened by this pandemic, meaning women are more at risk of violence and exploitation. Whats more, there has also been a loss of available safe spaces for women in Canada.

Shelters and transition homes during COVID-19

Shelters and transition homes across the country are operating at reduced capacity as a result of public health regulations, a new survey released by Womens Shelters Canada suggests. The majority (71 per cent) of the respondents to the survey say they have had to reduce beds to ensure there is a COVID-19 isolation unit available.

As well, the shelters and transition houses surveyed say that in the second phase of the pandemic (June to October), calls for help increased. Respondents also suggested that it was difficult for women to leave during lockdown because they were being monitored by their abusers or they were fearful of the virus.

Over half of the shelters and transition homes have noted an increase in the seriousness of cases, as suggested by the UN Women campaign. Among those who answered the survey, 16 per cent saw much more severe violence, 36 per cent reported somewhat more severe violence while almost half (48 per cent) noted about the same level of violence.

At the same time, because of the pandemic, fundraising for domestic violence shelters is much more difficult. Many cancelled events put programs in jeopardy. The survey indicates that slightly more than half of the respondents to the survey had fundraised less than in years previously (53 per cent). Some have had to lay off staff because of a lack of sustainable funding.

Womens financial independence

As the employment statistics start to become known about the impact of the pandemic on Canadian workers, it becomes clear that women have borne the brunt of this crisis.

Enter yet another type of pandemic term: the she-cession, because the economic crisis of the pandemic has hurt women, particularly racialized women, at rates much higher than men. RBC Economics released a report in July suggesting that womens participation in the labour force is down from a historic high to its lowest level in over 30 years.

It does look like things have improved in the second round of the pandemic. A recent Statistics Canada report from September suggests that the economy may be recovering, with employment returning to pre-COVID levels for mothers and fathers.

However, this same study noted that mothers (33.3 per cent) were more likely than fathers (26.8 per cent) to have worked most of their hours from home. This suggests that women were more likely trying to balance work and childcare responsibilities. In September, the number of mothers who worked less than half of their usual hours for reasons most likely related to COVID-19 was 70 per cent higher than in February.

The federal government announced in May that it was providing $40 million through the federal agency Women and Gender Equality Canada for women fleeing gender-based violence. Thats a good start, but its not enough. Provincial and territorial governments are responsible for operational funding for shelters and transitional homes, and according to the November survey, respondents felt that they needed more money to ensure long-term planning. This would be another important step.

We know that COVID-19 has altered the lives of many people in Canada and resulted in close to 13,000 deaths. Governments at all levels should step in to ensure that femicide doesnt become a shadow pandemic because of a lack of financial independence or safe spaces for women. Violence against women isnt just a banal Hollywood plotline its real life.

Photo: Crisis line volunteers Shoak Alhussami, left, and Dyalla Popatia are seen at Battered Womens Support Services, in Vancouver, on October 13, 2020. THE CANADIAN PRESS/Darryl Dyck.

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The pandemic is undoing women's physical and financial security - Policy Options

Tenacity, Trust And Talk – How To Harness Womens Strengths To Create Financial Empowerment – Forbes

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From roles in financial professions to household investing, there continues to be a gap between men and women when it comes to the world of finance. Although women have come far, men continue to be the primary investor and financial manager in the family. AUBS surveyof high net worth married women, widows, and divorcees foundthat while 85% of the women said they managed day-to-day expenses,only 23% said they took the lead on long-term financial planning.

Why does this matter?

Financial independence is a necessity for both men and women. As a financial planner, its always concerning to me when I see a spouse taking the backseat financially - and more often than not, its the woman. Women who don't manage (or co-manage) their finances with their spouse aren't getting the valuable experience and knowledge to ensure they can be financially independent. Not only are these tools a necessity for financial security, without these tools women can (and often do) face incredible hardships should they experience a divorce or become a widow.

Recently listed as one of 2020s Most Powerful Women in Banking, Erminia (Ernie) Johannson, Group Head of North American Personal and Business Banking for BMO, has made it her mission to empower and advise women on what they can do (or do more of) to feel confident in their financial decisions and roles. Johannson believes that the key to financially empowering women lies in three innate qualities. Women have three things on their side: Tenacity, Trust and Talk. We do these so well in every other part of our lives, imagine if we applied these to finances.

Leveraging how your built, using your natural strengths and surrounding yourself with a good team is the key to reaching any of your goals, especially financial ones Johannson says.

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Tenacity, Trust And Talk - How To Harness Womens Strengths To Create Financial Empowerment - Forbes

PruVen Capital launches as an independent venture firm in partnership with Prudential Financial – Business Wire

NEWARK, N.J.--(BUSINESS WIRE)--PruVen Capital, a global, multistage venture firm backed by Prudential Financial, Inc. (NYSE: PRU), has formally launched its first fund with $300 million in capital to invest in emergent technology startups in North America, Europe, Japan, Singapore and Australia.

Led by Ramneek Gupta, an industry leader who previously led early-stage investments in Square, Jet.com, DocuSign and Honey as a co-founder of the venture investing efforts at Citigroup, PruVen Capital will invest in transformational startups in the insurtech, fintech, healthtech, real estate tech and enterprise IT verticals.

PruVen Capital is driven to create both financial and strategic value for its stakeholders. Our multi-stage approach allows us to support leading entrepreneurs from garage to IPO, said Gupta. We offer the best of both worlds in being a completely autonomous fund thats backed by the resources of Prudential, the largest life insurer in the U.S. with more than $4 trillion of gross life insurance in force (i) and more than $1.5 trillion in assets under management as of Sept. 30, 2020.

In addition to Gupta, the core investment team includes Travis Skelly, Victoria Cheng and Adi Sivaraman. The Fund will have a five-year investment period and an annual investment pace of $50 million to $75 million a year. It will target companies from post-product on the early side to growth and pre-IPO on the late side. It will invest $5 million on the low end with a target of $10 million to $15 million on average over the lifecycle of the company with a maximum of $30 million invested in any single company.

PruVen will strategically partner with Prudentials catalyst networka capability that provides entrepreneurs access to Prudentials thought leaders and experts.

PruVen Capital supports Prudentials efforts to bring the kind of innovative products and services to the marketplace our customers expect, said Charles Lowrey, Prudentials chairman and CEO. Having an experienced venture capital executive like Ramneek Gupta along with access to the resources and deep experience of Prudential is a clear competitive advantage for early stage firms.

PruVen Capital, which has already made investments in Newfront Insurance, a digital first insurance brokerage focused on midmarket clients in the commercial insurance and employee benefits space, and DataRobot, an e2e machine learning platform for enterprises, looks to partner with visionary founders with a desire to create enduring companies. PruVen Capitals model offers the independence and decision-making speed of a traditional venture fund, while channeling Prudentials global scale and domain expertise to help PruVens portfolio companies grow into becoming the household names of tomorrow.

We seek to work with founders who have the vision and the zeal to create lasting companies, said Gupta.

About PruVen Capital

PruVen Capital is a global, multistage venture firm backed by Prudential Financial, Inc. (NYSE: PRU) and founded by Ramneek Gupta, an industry leader who founded and led the venture investing efforts at Citi for a decade. PruVens first fund is a $300 million multistage investment vehicle focused on partnering with founders building enduring businesses in the largest verticals of the global economy including insurance, financial services, health care IT, real estate and asset management as well horizontal enterprise tech enablers such as data/ML, cloud, DevOps, security, automation and digital CX. For more information please visit pruvencap.com.

About Prudential Financial

Prudential Financial, Inc. (NYSE: PRU), a financial wellness leader and premier active global investment manager with more than $1.5 trillion in assets under management as of Sept. 30, 2020, has operations in the United States, Asia, Europe, and Latin America. Prudentials diverse and talented employees help to make lives better by creating financial opportunity for more people. Prudential's iconic Rock symbol has stood for strength, stability, expertise and innovation for more than a century. For more information, please visit news.prudential.com.

(i) Gross life insurance in force worldwide as of 12/31/19, includes closed block policies.

1042956-00001-00

Certain of the statements included in this release, such as those regarding the expected timing and results of the investments and transactions described herein, constitute forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. Words such as expects, believes, anticipates, includes, plans, assumes, estimates, projects, intends, should, will, shall or variations of such words are generally part of forward-looking statements. Forward-looking statements are made based on managements current expectations and beliefs concerning future developments and their potential effects upon Prudential Financial, Inc. and its subsidiaries. There can be no assurance that future developments affecting Prudential Financial, Inc. and its subsidiaries will be those anticipated by management. These forward-looking statements are not a guarantee of future performance and involve risks and uncertainties, and there are certain important factors that could cause actual results to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements. Certain important factors that could cause actual results to differ, possibly materially, from expectations or estimates reflected in such forward-looking statements can be found in the Risk Factors and Forward-Looking Statements sections included in Prudentials Annual Report on Form 10-K and Quarterly Reports on Form 10-Q. Prudential does not undertake to update any particular forward-looking statement included in this document.

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PruVen Capital launches as an independent venture firm in partnership with Prudential Financial - Business Wire

Domestic financial abuse: What it is, and how to identify it – Savings.com.au

Its been described as a hidden epidemic affecting countless Australian households and families. And yet many people may not be aware of its existence, or how it can affect people.

Were talking about financial abuse, a form of abuse so common it costs the economy $15.6 billion per year. But of course, it has a real human cost too, one that cant be expressed in a number.

In part 1 of our 2 part series on financial abuse, well explain what domestic financial abuse is, how many people it affects, how you can recognise it, and most importantly, what you can do if youre one of the many who experience it.

You can do the same in part 2 of our financial abuse series on elderly financial abuse.

If you or someone you know is experiencing domestic or family violence, call 1800RESPECT (1800 737 732) or visit http://www.1800RESPECT.org.au.

In an emergency or if youre not feeling safe, always call 000.

On this page:

Need somewhere to store cash and earn interest? The table below features savings accounts with some of the highest interest rates on the market.

Financial abuse is generally described as controlling someones ability to acquire or use their own financial resources or manipulating their finances for your own benefit. This can include stealing money, coercing or guilting them into signing something, restricting their ability to withdraw money from ATMs, siphoning their paycheque and so on. As opposed to scams by strangers, financial abuse often involves two or more people who have a close relationship.

This type of financial abuse is an offshoot of domestic violence, as it is committed by one member of a relationship against the other. It affects both men and women, although women account for around twice as many cases. According to Co-Founder and Author of the Financy Womens Index, Bianca Hartge-Hazelman, common ways a partner or spouse can be the victim of financial abuse include things like:

Controlling access to their money, such as restricting access to bank cards, making them ask permission for money, not contributing to shared costs etc.

Having a partner cancel essential services or refusing to pay debts

Avoiding child support payments, or reducing their share of child expenses

Not being allowed to open or see joint bank statements or details

A partner generating economic cost or debt in your name

A partner damaging someones property to cost them money in repairs

These are just some of many more examples, and they can often be gradual enough that the victim doesnt even notice it happening until its too late. In a worst-case scenario, it can make people broke, full of debt or even homeless, while adversely affecting their mental health or physical safety.

Financial abuse is all about disabling a person's financial independence so they essentially become stuck in a relationship that is controlling abusive and disempowered to leave, Ms Hartge-Hazelman told Savings.com.au.

It can also present itself in systems abuse, where one partner will seek to financially cripple another through legal proceedings.

Financial abuse is much more common than you might think, with millions of Australians potentially being impacted. In 2017researchers from RMIT found more than two million Australians will experience financial abuse in their lifetimes: 15.7% of women and 7.1% of men. Overall, thats around one in 10 people, and its much more common among relationships where someone already suffers from another form of abuse.

Of those who report emotional abuse, almost half of women (48%) and a third of men (35%) experience financial abuse too, according to research by the Australian Institute of Health and Welfare in 2016.

Among women who sought help from domestic violence services, the prevalence of economic abuse ranged from 78% to 99% (the Australian and New Zealand Journal of Public Health). It was also much more common among those who only finished high school, had a disability or received some kind of government financial support.

There are ways you can pick up on someone being financially abused (either yourself or someone you know), or potentially if you are exhibiting some of these behaviours without realising.

It can be difficult to determine if someone in a relationship is being financially abused, and for the people who are, they might be too afraid or even embarrassed to do anything about it. One major red flag is a partner being unwilling to talk about finances. Some other key signs include:

They use a partners credit card without permission

They are very controlling of their partners money, and often invasive about their spending

They restrict access to bank accounts, or take a partners pay

They insist on signing all loans and documents in their name only

They generally make a partner feel stupid or incompetent about money

They prevent a partner from getting to work or from working at all

Generally, having a separate, emergency savings fund that only you know about, even with just a couple of months worth of expenses in it, can help you out in a desperate situation, so set one of these up now if you havent already, or encourage someone you know to do so.

The banks have a significant role to play in stopping financial abuse - thats where most of the money comes from after all. And it turns out many of them already are taking steps to help customers avoid it. In mid-2020, Commonwealth Bank moved to ban users who send threatening messages in low-value transactions (often under $1).

Our customers should always feel safe using digital banking. These changes will ensure that all customers can continue to enjoy the benefits of digital banking in a safe and secure way and represents our first step to address the issue of technology-facilitated abuse, A Commbank spokesperson said at the time.

The Australian Banking Association also said it is offering ongoing training for branch tellers and staff to identify and help customers in sensitive situations.

We are seeing the major banks such as CBA doing more to identify financial abuse. However there is still a lot more that can be done, Ms Hartge-Hazelman said.

The government needs to further amplify campaigns that identify financial abuse as part of its broader anti-domestic violence agenda.

While the coronavirus pandemic hogged most of the headlines in 2020, it seems that restrictions and lockdowns resulting from the virus have led to a pandemic within a pandemic, where forced isolation among partners and family has led to increased cases of abuse.

The Australian Institute of Criminology (AIC) surveyed the numbers of domestic violence cases after COVID restrictions were introduced in May. The data revealed almost one in 10 Australian women in a relationship experienced domestic violence during the coronavirus crisis - numbers that surely grew once Victoria went into lockdown. It also found 33% of respondents who said they have experienced abuse reported it was the first time it had happened to them.

Ms Hartge-Hazelman said she wouldnt hesitate to say that the pandemic has led to an increase in financial abuse as well.

Many front line agencies that help women and families experiencing domestic violence say abuse cases have basically doubled since the March Covid-lockdowns began, she said.

Some shelters reported cases where perpetrators had lied about contracting the virus so their partner was forced to isolate with them, while new pandemic-specific cases involve the siphoning of a victims stimulus money or even forcing them to withdraw from their super.

The result is reduced financial security. Being forced out of work in order to apply for JobKeeper or Seeker benefits. Essentially an insistence that you don't work to reduce your financial independence and security.

See also: How to catch up if you've withdrawn your super early

Getting help for financial abuse can be very tricky. In the case of relationships, some people dont seek help because theyre afraid for their safety or feel ashamed or embarrassed. There are a lot of other reasons people dont seek help, and one of them is that they dont feel theres any help out there for them. But there is plenty of free and confidential help out there.

ASICs MoneySmart lists a number of free and confidential helplines you can call, which well list below. But remember, if you feel your life is in danger, or the life of someone you know, then call 000.

Source: MoneySmart

In the meantime, if your situation is desperate, Ms Hartge-Hazelman gives 10 solutions you or someone you know can utilise if leaving the situation is paramount.

Plan your escape with trusted people.

Try to find out as much about your financial situation as you can.

Make copies of everything that identifies you or with your address on it photo ID, passports, bank statements, mortgages, credit cards, superannuation, telephone and utility bills as well as any subscriptions with your name on it.

Change to SMS or electronic email statements or bills, as much as possible over direct postal mail. Change your forwarding address of important mail if you know where you are leaving to, and if you cannot use or access a private email account.

Contact your financial institutions and ask to speak with someone who handles domestic violence issues. Most of the big banks have services to help protect victims from abusers. National Australia Bank is one of the big banks that provide specialist assistance in this space.

Stash all of your private financial or other important information or items with a trusted friend or in a safe place that your abuser wont get access to ahead of your leaving.

Build your emergency escape fund

Talk, if you can, to your employer. Given the Federal Governments introduction of up to five days leave for victims of domestic violence, it might be appropriate to let your human resources (HR) department know what is going on at home. You may be able to take advantage of leave. Or, advise your employer ahead of schedule if you have to leave to plan your escape: They might be able to help you in creating distance or security between you and your partner while you work.

Know where youre going and what its going to cost

Know your legal options.Finally, try if you can to get legal advice through legal aid first before going to a lawyer. This is important as legal aid can only represent for one party, and if you are registered they cannot act for your partner in the same matter.

Free legal advice is widely available if needed.

Savings.com.aus purpose to help people save money and achieve financial independence, and financial abuse is in direct opposition to what we stand for. Preventing someone from using and accessing their own money or controlling the trajectory of someones future wealth is unacceptable.

The effects of financial abuse are wide-ranging, and theres a good chance someone reading this is affected by it in some way, either themselves or someone they know. We arent going to give advice we arent qualified to give regarding peoples wellbeing, but we will recommend calling any of the support numbers listed above or the police if necessary. An expert trained to deal with financial abuse will be able to help.

In the meantime, we should all take extra steps to look out for one another. Check-in on a friend or relative, and learn to look for the telltale signs that not all is right with their finances.

Photo by _Mxsh_ on Unsplash

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Domestic financial abuse: What it is, and how to identify it - Savings.com.au

Complementary and Alternative Medicine Market 2020 | Covid-19 Impact Analysis | Business Outlook, Growth, Share, Trends and Forecasts 2025 -…

The research report on Complementary and Alternative Medicine Market gives thorough insights regarding various key trends that shape the industry expansion with regards to regional perspective and competitive spectrum. Furthermore, the document mentions the challenges and potential restrains along with latent opportunities which may positively impact the market outlook in existing and untapped business spaces. Moreover, it presents the case studies, including the ones related to COVID-19 pandemic, to convey better understanding of the industry to all the interested parties.

The recent market trend of increasingly using Complementary and Alternative Medicine for understanding the development of a disease extensively fuel the growth of this market in the coming years. Another trend that will aid the growth of the global Complementary and Alternative Medicine market is the escalating demand for personalized medicine. Extensive investments are being made by various organizations, pharmaceutical companies, and governments for the research and development of drugs, and this is another trend that is benefiting the growth of the global Complementary and Alternative Medicine market. This is because Complementary and Alternative Medicine techniques enable researchers to compare Complementary and Alternative Medicine changes between disease samples and normal samples. Public health can thus be analyzed as the changes in Complementary and Alternative Medicine are influenced by internal biological system and environment directly.

Request a sample of this premium research: https://www.bigmarketresearch.com/request-sample/3931167?utm_source=Nilesh-SLI

The report covers extensive analysis of the key market players in the market, along with their business overview, expansion plans, and strategies. The key players studied in the report include: Iyengar Yoga Institute, John Schumachers Unity Woods Yoga Center, Yoga Tree, Nordic Naturals, Quantum Touch, Deepure Plus, Pure Encapsulations, Inc, The Healing Company, Columbia Nutritional, Helio USA, Herbal Hills, Herb Pharm.

Complementary and Alternative Medicine Market Segmentation:

In market segmentation by types of Complementary and Alternative Medicine, the report covers-

BotanicalsAcupunctureMindBodyand YogaMagnetic Intervention

In market segmentation by applications of the Complementary and Alternative Medicine, the report covers the following uses-

E-SalesDirect Sales

Regional Analysis for Complementary and Alternative Medicine Market-:

1) North America- (United States, Canada)

2) Europe- (Germany, France, UK, Italy, Russia, Spain, Netherlands, Switzerland, Belgium)

3) Asia Pacific- (China, Japan, Korea, India, Australia, Indonesia, Thailand, Philippines, Vietnam)

4) Middle East & Africa- (Turkey, Saudi Arabia, United Arab Emirates, South Africa, Israel, Egypt, Nigeria)

5) Latin America- (Brazil, Mexico, Argentina, Colombia, Chile, Peru)

The report provides insights on the following pointers :

Market Penetration: Comprehensive information on the product portfolios of the top players in the Supply Chain Analytics market.

Product Development/Innovation: Detailed insights on the upcoming technologies, R&D activities, and product launches in the market

Competitive Assessment: In-depth assessment of the market strategies, geographic and business segments of the leading players in the market

Market Development: Comprehensive information about emerging markets. This report analyzes the market for various segments across geographies

Market Diversification: Exhaustive information about new products, untapped geographies, recent developments, and investments in the Supply Chain Analytics market

NOTE: Our analysis involves the study of the market taking into consideration the impact of the COVID-19 pandemic. Please get in touch with us to get your hands on an exhaustive coverage of the impact of the current situation on the market. Our expert team of analysts will provide as per report customized to your requirement.

Request a discount on standard prices of this premium research: https://www.bigmarketresearch.com/request-for-discount/3931167?utm_source=Nilesh-SLI

Table of Content

Chapter 1 Complementary and Alternative Medicine Introduction and Market Overview

Chapter 2 Executive Summary

Chapter 3 Industry Chain Analysis

Chapter 4 Global Complementary and Alternative Medicine Market, by Type

Chapter 5 Complementary and Alternative Medicine Market, by Application

Chapter 6 Global Complementary and Alternative Medicine Market Analysis by Regions

Chapter 7 North America Complementary and Alternative Medicine Market Analysis by Countries

Chapter 8 Europe Complementary and Alternative Medicine Market Analysis by Countries

Chapter 9 Asia Pacific Complementary and Alternative Medicine Market Analysis by Countries

Chapter 10 Middle East and Africa Complementary and Alternative Medicine Market Analysis by Countries

Chapter 11 South America Complementary and Alternative Medicine Market Analysis by Countries

Chapter 12 Competitive Landscape

Chapter 13 Industry Outlook

Chapter 14 Global Complementary and Alternative Medicine Market Forecast

Chapter 15 New Project Feasibility Analysis

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Health: The growth of marijuana as medicine in NH – Concord Monitor

In 2016, New Hampshire established a Therapeutic Cannabis Program, that allows Granite Staters with a variety of conditions, including chronic pain, PTSD, and epilepsy, to buy medicinal marijuana. Caregivers and physicians can also qualify for the program, with appropriate documentation. Those who qualify are required to buy the drug through one of the states four Alternative Treatment Centers.

Growth of New Hampshires therapeutic cannabis program has doubled, or more, in every qualifying demographic since the program began.

Qualifying Patients: 2,089 used the program in 2016, 8,566 participated in 2019

Designated Caregivers: 129 used the program in 2016, 488 participated in 2019

Certifying Providers: 560 used the program in 2016, 1,101 in 2019

Marijuana legislation in N.H.

2013: Maggie Hassan, the then Governor of New Hampshire, signed a bill that allowed seriously ill Granite Staters to use cannabis for medical reasons.

2015: Linda Horan, a stage four lung cancer patient, sues the state and wins the right to have a medical marijuana card.

2016: The first New Hampshire dispensary opens its doors to patients.

2017: Gov. Chris Sununu signed a marijuana decriminalization bill that reduces penalties for possessing small amounts of the substance. Adults could no longer be arrested for having less than 0.75 of an ounce of weed. Instead of jail time, those found in possession of the drug are fined, the proceeds of which go to statewide substance abuse prevention programs

2019: A bill was signed that allowed those who received convictions for possession of cannabis to have their records annulled.

2019: The Senate and House approved a bill that would allow patients and caregivers to grow their own cannabis. Gov. Sununu vetoed the bill.

2020: The State House passed a bill that would have legalized possession of marijuana. The Senate shelved the bill.

Commonly asked questions

Marijuana is fully legalized in 15 states in the U.S, including Maine, Vermont and Massachusetts. Legalization advocates have called New Hampshire an island of prohibition because of its strict marijuana restrictions compared to its closest neighbors.

New Hampshire: Marijuana is somewhat legal, medical use is allowed.

Maine: Marijuana is fully legal, medical use is allowed

Vermont: Marijuana is fully legal, medical use is allowed

Massachusetts: Marijuana is fully legal, medical use is allowed

In New Hampshire, a variety of conditions can qualify you for the therapeutic use of cannabis. Some of these conditions include cancer, PTSD, chronic pain, Alzheimers disease and epilepsy.

According to the Mayo Clinic, more research needs to be done on the safety and efficacy of medical marijuana. However, there are some documented side effects of the drug including increased risk of heart attack, hallucinations or mental illness, dizziness and increased heart rate.

The U.S Food and Drug Administration has approved a couple of THC- and CBD-based medications for a variety of conditions, such as a lack of appetite, childhood epilepsy and naturopathic pain. More research needs to be done into the efficacy of marijuana based medicines to determine the extent of the benefits.

Dispensaries

Prime Alternative Treatment Centers: 380 Daniel Webster Hwy, Merrimack

Sanctuary ATC: 568 Tenney Mountain Hwy, Plymouth

Temescal Wellness (two locations): 26 Crosby Rd #11-12, Dover, and 367 NH-120 Unit E, Lebanon

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Health: The growth of marijuana as medicine in NH - Concord Monitor