Courtesy Alonso Muñez SolísIn war, people take drastic measures. Some adopt a cause and fight. Others cling to their peaceful lives and hope for the best. And some, seeing that the situation is only getting worse, flee their country in search of a better life.In the first chapter of “Al Sur de los Recuerdos” (“South of Memories”), we see what happens to young Pascual Aristaga when he tries to fight. In the novel, Pascual is a humble shopkeeper and decent family man, yet when Nicaragua is torn apart by war, he decides to raise arms against the invisible enemy in the woods. But Pascual doesn’t last long; he’s clearly not meant to be a soldier. In the wake of his death, his wife María and daughter Ana have nothing to gain by staying. They journey south, to Costa Rica.Demographically speaking, Costa Rican writer Alonso Muñoz Solís is an unlikely author of “Recuerdos.” Nicaraguan immigrants are not a popular bunch in Costa Rica, yet Muñoz writes movingly about their escape from war and the challenges of their new life. Meanwhile, in telling most of the story from the perspective of young Ana, Muñoz sets himself the challenge of accurately voicing a character of another age and gender, a notable feat for any writer. Finally, Muñoz was 33 years old when the book was published last May, which means he was about nine years old when the Nicaraguan Revolution ended.Muñoz took on a difficult topic that basically predates his generation, and this alone is commendable. He has done his research, too – he clearly describes his locations and how the characters see them, even on the front lines of battles. When Ana and María trudge their way toward Costa Rica, Muñoz had to imagine encountering his own country for the first time:For hours they walked among gigantic trees adorned with different shades of green. Magnificent trees, with very high roots and lined vines and mosses of different textures. Perfectly circular and imposingly long trunks. Leaves of different sizes that fell dancing in the air. Palm trees in the jungle. Muddy earth the color of adobe on a day without rain; a carpet of fallen leaves. Mushrooms of all forms and colors. Ranks of busy ants. Flocks of parakeets, birds and more birds, everywhere.Muñoz can be eloquent, but most of his prose is crisp and clean, like a Central American Steinbeck. For folks learning Spanish or unaccustomed to reading Spanish literature, “Recuerdos” is an excellent find: The vocabulary is uncomplicated and the story is smoothly told, without excessive, self-indulgent metaphor or subplots. At 135 pages, the slim novel could pass for young adult fiction, and the violence is no more shocking than a “Hunger Games” scene – except that Muñoz’s fiction is based on real tragedy.I can only hope that Muñoz finds the broad readership he deserves. Small-press books don’t generally print a second edition, and Costa Rica is a tough market for novelists, especially a freshman author. It is striking to discover that Muñoz graduated from the University of Costa Rica with a degree in Electrical Engineering, then worked for the University for Peace. “Recuerdos” is an admirable first book. Here’s hoping he writes a second one soon. Facebook Comments Related posts:New guidebook helps visitors appreciate Costa Rica’s capital ‘The Family’ tells story of cult in Costa Rica ‘Paradise Imperfect’ a competent expat memoir What do Ticos really think about foreigners in Costa Rica?
October 29, 2016Film director Aimee Madsen and Cosanti Foundation Directors Mary Hoadley and Roger Tomalty are in New Mexico to screen PAOLO SOLERI – BEYOND FORM, last night in Albuquerque. [photos by Aimee Madsen]Aimee:We screened to a sold out audience in Albuquerque. So grateful to every one who made it possible. Next comes Santa Fe on the 29th!see: http://www.architecturesantafe.org/film-series.html
With her family by her side, state Rep. Holly Hughes took her oath of office Tuesday to represent the families and businesses of the Muskegon County.Michigan Supreme Court Chief Justice Stephen Markman administered the oath while Rep. Hughes’ husband Rick, daughter Morgan and nephew Chandler Breit joined her for the Capitol ceremony.“This is an honor given to me by the residents of the 91st District,” said Rep. Hughes, R-Montague. “My first priority will always be to families and businesses in my home district. Although we have a lot of work to do in Lansing, my focus will continue to be on jobs for our hometown. In fact, our next Veterans Jobs Fair is already scheduled for May 20. I will continue to work every day and with every vote for our communities to make today and the future better in the Muskegon County region.”Rep. Hughes encourages residents with concerns or questions pertaining to state government to contact her Lansing office. Legislative assistants Justin Malek, a Muskegon County native, and Eric Dean are ready to assist district residents.Residents can contact Rep. Hughes’ Lansing office toll free at (877) 633-0331, via email at HollyHughes@house.mi.gov, and by mail at N-1195 House Office Building, Lansing, MI 48909.“We look forward to working for everyone in the 91st District over the next two years,” Rep. Hughes said. “We’re here to help.” 13Jan Rep. Hughes renews commitment to Muskegon County region Categories: Hughes News,News
Norwegian operator Telenor reported improved TV numbers in its Q4 and full year 2013 figures, as it logged record EBITDA of NOK36 billion (€4.3 billion) for the year.In its home market, Telenor added 2,000 TV subscribers in the fourth quarter of 2013, rounding out the year with 527,000 TV customers compared to 524,000 in 2012.In Norway, fixed internet and TV revenues were a combined NOK1.32billion in Q4, up 5.6% year-on-year, helping offset reduced telephony subscriptions and wholesale revenues. Average revenues per user for TV were up 12. 5% year-on-year to NOK279.However, in Sweden Telenor reported a slight quarterly decline in TV subscribers with 2013 remaining flat at 284,000.Overall in Q4 2013, Telenor Group reported revenues of NOK28 billion, representing organic revenue growth of 1%. EBITDA before other items was NOK 8.99 billion. Full year revenues were NOK104 billion while EBITDA was NOK36 billion.“During 2013, Telenor Group increased or maintained its market share in key markets. For the fourth quarter, Telenor Group reports organic revenue growth of 1%, in line with the company’s growth rate for the full year,” said Telenor Group president and CEO Jon Fredrik Baksaas.On January 2, 2014, Telenor acquired 100% of the voting rights in Tele2’s Swedish residential fibre and cable TV business for NOK 749 million. The business includes 370,000 connected households, with 125,000 fixed broadband subscribers, 75,000 digital TV subscribers and 220,000 analogue TV households.Telenor said the deal strengthens its position as one of the leading providers of broadband and digital TV services in Sweden.
The Noose Around Your Wealth Is Tightening Out-of-control taxes… investment controls… predatory lawsuits… the risks to your capital are growing by the day. And the unfortunate truth is the more of your wealth you have in your home country, the greater the risk. That’s why it’s critical to internationalize as much of your hard-earned assets as you can – as fast as possible. Going Global 2013 will help you do just that. Featuring investment experts Doug Casey, Peter Schiff, Mike Maloney, and more, this must-see webinar will reveal offshore strategies you can easily implement to protect what’s rightfully yours. Click here for details. The silver price was much more ‘volatile’, as it traded in a two percent price range through Far East and London trading. It also had the New York rally at the same time as gold…and it ended at the same time as gold, just before 11:00 a.m. EDT. According to Kitco, the high at that point was $22.13 spot, but got sold down back below the $22 spot price almost immediately. Silver closed at $21.79 spot…up 11 cents from Tuesday’s close. Net volume was very light at only 22,000 contracts. (Click on image to enlarge) Maybe the 20-day moving average is being defended…but I’m speculating on that one. However, as I’ve mentioned on countless occasions, the dollar index is not much of a factor as far as the precious metals are concerned…and if there is much correlation, it’s usually when the index is rallying, as it becomes a cover for “da boyz” as they hit the p.m. prices…and the main stream media is always quick to jump on that particular bandwagon. And as you can see lately, even though the dollar index is down sharply, the precious metals aren’t up at all…as there’s always a seller of last resort waiting in the wings the moment that occurs…the last three trading days being a case in point. I note in overnight trading in the Far East, that the Japanese stock markets got crushed for over 6 percent…and gold and silver’s attempts to break above the $1,400 and $22 price ceilings ran into a seller of last resort around 11:00 a.m. Hong Kong time on their Thursday morning. After that, they both traded flat into the London open. But once London began to trade, all four precious metals got sold down a bit…and all are trading below their New York closes yesterday as I hit the ‘send’ button on today’s column at 5:10 a.m. EDT. Volumes are pretty decent in gold and silver already. The dollar index is down another 21 basis points. That’s it for another day…and I’ll see you here tomorrow. The gold stocks rallied right from the open…and at their high of the day, just before noon in New York, they were up 2.5 percent…but then faded [along with the gold price] as the trading day progressed…and the HUI finished up only 0.91%. Another day when there aren’t that many stories…and I hope there a few in here that catch your eye. [The] gold mining industry, for the most part, is dumber than the rocks it digs out of the ground. Too dumb to defend itself, purporting to be represented by the World Gold Council, which exists only to make sure that there never is a real world gold council. – Chris Powell, GATA…04 April 2013 It was another day where there wasn’t much volume…and not a lot of price action either. However, it’s obvious the $1,400 price mark in gold…and $22 silver is still being vigorously defended. By whom…and for what reason…is unknown. There’s certainly a scarcity of gold and silver-related stories at the moment…and I even checked some of the websites myself and there was nothing. The only event of any importance coming up is the COT Report tomorrow…a lifetime away at the moment. I’ve noted that since the dollar index high/gold-silver low of May 20th, the dollar index has declined from 84.3 down to 80.7…and the gold price has been capped at the $1,400 mark…and every close above that price, no matter how brief, has been sold down to below the $1,400 price ceiling. During that dollar index decline of 370 basis points…4.4 percent…the gold price has not been allowed to reflect that decline…and is basically trading unchanged from its May 20th price. Here’s the 30-day dollar index chart. It’s obvious the $1,400 price mark in gold…and $22 silver is still being vigorously defended. The gold price did nothing in the Far East and most of the London trading day on their Wednesday. The New York low came at the 9:30 a.m. EDT open of the equity markets, just like it has for the last three days in a row. The subsequent rally got cut off at the knees shortly before 11:00 a.m. in New York…and a few minutes before the London close…just as it was about to get a sniff of the $1,400 price mark. The high tick at that point was $1,395.80 spot. From there it traded sideways into the Comex close…and then got sold down a bit in the New York Access Market. The gold price closed at $1,388.40 spot…up $10.20 on the day. Gross volume wasn’t overly heavy at 121,000 contracts. But the silver stocks finished slightly in the red…as Nick Laird’s Intraday Silver Sentiment Index closed down 0.19%. Here’s the 30-day gold chart, with the 20 and 50-day moving averages shown. (Click on image to enlarge) The CME’s Daily Delivery Report was another non-event on Wednesday, as only 3 gold and 17 silver contracts were posted for delivery within the Comex-approved depositories on Friday. We’re getting on in the June delivery month, so unless there are some big surprised between now and June 30th, we shouldn’t expect big deliveries, as most are done within the first week of the delivery month. There were no reported changes in either GLD or SLV yesterday…and there was no sales report from the U.S. Mint, either. Over at the Comex-approved depositories on Tuesday, they reported receiving 99,690 troy ounces of silver…and didn’t ship any out. The link to that activity is here. In gold on Tuesday, these same depositories didn’t report receiving any, but did ship out 45,371 troy ounces of the stuff…all out of Brink’s, Inc. The link to that activity is here. No charts or graphs again today…but here’s your ‘cute quota’… Sponsor Advertisement It was obvious to me that if a willing seller hadn’t shown up in the Comex gold and silver markets just before 11:00 a.m. in New York, both metals would have closed materially higher. The dollar index closed at 81.05 late on Tuesday afternoon…and began to rally slightly right from the open in Far East trading on their Wednesday morning. The high tick of the day…81.30…came at 8:00 a.m. EDT right on the button. From there it got sold down to its low tick…80.78…which came just before noon in New York. The subsequent rally didn’t make it back above the 81.00 level…and closed at 80.91…down 14 basis points on the day.
Editor’s note: Agora founder Bill Bonner has never done anything like this before… If you haven’t heard, he recently committed to invest $5 million of his own family’s trust in the stock recommendations of just one of his analysts: expert value investor Chris Mayer. Chris has one of the best track records in the business. Over a 10-year span, he safely beat the markets by three-to-one and outperformed some of the world’s best investors, including Warren Buffett. And now, until tonight only, you can invest alongside Bill with a subscription to Chris’ brand-new service Bonner Private Portfolio. But, as Bill points out in today’s special essay, this service isn’t for everyone… By Bill Bonner, editor, The Bill Bonner Letter Today, we address a reader’s objection (shared by many, we suspect) about the new advisory from Chris Mayer we’ve been promoting, Bonner Private Portfolio: $1,950 is a lot of money for a few books and a couple of stock picks. I appreciate that you want to expand your asset base to benefit your descendants, but you’ll need to do it without my participation. When one of our affiliate groups published Chris’ research, they priced it at $49. Other readers have noticed, too: There’s a big jump from $49 to $1,950. Why? Are we just greedy? “Elasticity of demand” is what economists call it. We noticed it, too. You price something at $49, you get a lot of buyers. You set the price at $1,950, you get a lot fewer. If the elasticity is perfect… you get the same amount of money almost no matter what price you put on it. So, from a cash flow point of view, it made little difference (at least, in theory… but also backed by substantial experience) which price we put on Chris’ new service. “Greed” or “expanding our asset base” had nothing much to do with the choice of the price. Of course, we always want to expand our asset base; our company is not a nonprofit. But there’s more to the story… 10-Year Test We’ve been in this business for 36 years. We think… and hope… we’ve gotten better at what we do. Not only have we made progress in understanding how the investment world works, but also we understand better how our readers and customers react to it. Initially, we didn’t know whether Chris would succeed in making his readers money. It took 10 years to find out. During that time, readers could test him themselves – for less than the price of a newspaper subscription. And since neither we nor Chris’ readers knew exactly what we had, probably neither of us got the full value of his research. Subscribers came. And went. They bought. They sold. Nobody – maybe not even Chris – understood how valuable his recommendations were or what to do with them. But now we see that Chris is an excellent long-term, value-oriented investor. As we’ve been telling you, over a 10-year period, Chris’ recommendations beat the overall market three-to-one… beat Warren Buffett’s Berkshire Hathaway two-to-one… and turned every $10,000 into nearly $50,000. But you can’t make much money trading in and out of his recommendations. You have to buy and hold. And you have to be willing to sit through periods of substantial drawdowns. Recommended Links Rickards: “Don’t Buy A Single Ounce Of Gold…” **This is an URGENT warning from Jim Rickards.** If you’ve seen the writing on the wall, like me, you know that gold could soon hit $10,000 per ounce. However, today I’m urging you NOT to buy a single ounce of gold till you read what I have to say. Click here for access to my urgent gold announcement. – [EXPIRES TONIGHT] What Bill Bonner Discovered in Vancouver Will Shock You At a private meeting on a boat in Vancouver, Bill discovered an opportunity so impressive, he’s putting $5 million of his family trust money toward it. To find out how to join him, click this link before tonight at 11:59 p.m. — Sticking With It Most investors – and we use the term loosely – do not expect that from a $49 service. They want big ideas. They want speculations. They want to trade. They want more immediate gratification. Putting the average investor together with Chris is not good for either. Bonner Private Portfolio is for more serious, long-term family investors. It requires readers who understand how value investing works… and are willing to stick with it. It’s not exciting. There’s not much to talk about. There are few occasions for bragging about your results (unless, that is, you have plenty of patience). So, for Bonner Private Portfolio, we did not want a lot of readers; we only wanted the few who were suited to it. That’s why we deliberately put the price high: to discourage casual subscribers or those who had not enough money to make it worthwhile. We want serious subscribers who understand and appreciate the service. You can’t just “try it out for a few months.” You have to stick with it. Serious Bargain Is $1,950 the right price? Too much? Too little? We don’t know. But judging from the results, it might have been too low. We have more subscribers than we expected. That may be because the serious investor compares this service – as he should – with a managed account. If he puts his money with a value-oriented manager, he will pay upward of 2% a year (if you’re lucky). With $500,000 invested, that works out as $10,000 a year. The serious investor with serious money sees that Bonner Private Portfolio is a bargain at $1,950. Almost every investment approach works sometime for someone. But none work all the time for everybody. Some are meant for serious, long-term wealth building. Others give traders and speculators the adrenaline rush they look for. Some are good for sophisticated investors with a lot of money. Others are more appropriate for people with little money and little experience. Putting the right people together with the right service is still hit or miss. But we’re getting better at it. And pricing Chris’ new service at $1,950 is a step in the right direction. If the advice turns out to be good, no one will complain. If not… well, we will have learned something. Editor’s note: Right now, you can sign up for Bonner Private Portfolio—and get in on Chris’ recommendations 48 hours before Bill does—for $1,000 off the normal price. Chris releases his newest stock pick later today—an iconic company trading at a rare bargain. So act soon—this offer ends at midnight tonight. Click here to learn more.
A young disabled woman was told that she had been evicted from her residential home while she lay critically ill in hospital.The care home in Barking, east London, run by the company Sahara Care, had originally issued the eviction notice to Lakhvinder Kaur (pictured) in a letter on 6 April, just days after she had made an allegation of physical abuse against a member of staff at the home.In the same letter in which the company told her that it had referred her abuse allegation to the care watchdog, the local council and the police, it also told her that it was giving her 28 days’ notice to leave the home, Sahara Parkside.Several weeks later, Kaur, who has spinal muscular atrophy, was rushed to hospital with blood poisoning.Just days after she was admitted, on 28 May, and while still fighting for her life, the care company told her she would not be allowed to return to Sahara Parkside when she was released from hospital.Kaur has been trying since last year to find accessible accommodation that will allow her to live independently and safely with the support she needs.And because her local authority Newham council has not been able to find somewhere safe and appropriate for her to live, the hospital that treated her has itself told the council that it needs to evict her because she has now recovered from the blood poisoning.She told the council in an email: “My current situation worries me because each time I am admitted to ICU [the intensive care unit] my chance of recovery is reduced and increases my risk of death.“This risk could be better managed if my housing and care package was addressed.”She also told her social worker: “I believe I have valid reasons to express my deep and worrying concerns about my hospital discharge particularly when there is so much uncertainty and unknowns around my housing and support package.”She has now been told that she will have to move temporarily into a hotel room when she leaves hospital.Her case highlights once again the drastic shortage of accessible housing across the country.The Equality and Human Rights Commission said only last month that disabled people had been left “demoralised and frustrated” by the housing system and faced a “chronic shortage” of accessible homes.Kaur has been trying to persuade the council that she needs a two-bed flat to provide the space she needs to comply with employment law for her personal assistants, and to ensure her own health and safety, as well as her need for privacy, and space to store vital medication and equipment.She believes that the continuing struggle to ensure the support she needed at Sahara Parkside contributed to the illness that left her in intensive care.A spokeswoman for Newham council said: “We are working to find an interim property for Laki to move in to when she is discharged from hospital so Laki can get the support she needs. This is whilst we find her a permanent home.”She said the council “recognises there is a chronic shortage of housing across the country”.But when asked if the council accepted that the continuing failure to find her accessible housing and provide the support she needs were breaches of her rights under article six (on disabled women) and article 19 (on independent living) of the UN Convention on the Rights of Persons with Disabilities, the spokeswoman denied that the council “has any direct responsibility for the implementation of any of the rights” under the convention.She said: “Even if it did have such responsibilities, in its view there have been no breaches by the council of articles 6 or 19.“The issue in this case is the shortage of properties, particularly in London.”She added: “The borough in which the safeguarding issue arose investigates the complaint.“As Sahara Homes is based in Barking and Dagenham, it would be for that local authority to carry out the investigation. Newham is chasing for the outcome of this investigation.”Kaur has been trying for eight years to secure a proper care package that will keep her safe, and allow her to live in her own home, manage her own support, and enjoy the typical social life of a woman in her 20s.Instead, she has had to move from one inappropriate care home and supported living setting to another. Last November, Disability News Service reported how she had been left been unable to leave Sahara Parkside for nearly three weeks because its managers were trying to evict her for complaining about her care, and for her attempts to enjoy a proper social life.Managers at the home even threatened to change the security code on the entrance if she left the building, and they tried twice – unsuccessfully – to persuade the police to evict her.Sahara said this week that it could not discuss individual cases.
KEIRON Cunningham said it was poignant Jordan Turner scored Saints’ winning try on Thursday night – but pointed to a massive squad effort too.“I’d have taken the draw to be honest!” he said. “I’m not sure the game deserved a loser at times. Both sides were great for a period, the defences were good too. They are so quick around the middle and have four dummy runners coming at you that at times we had to survive.“We did that, had some subs left towards the end and they did a great job. I knew we would do something – I knew we would get a crack at something at the end and we did. I am really happy with the win and the two points.“But the performance was the biggest thing for me. We never gave up.“We have players here that are more than able to express themselves with the ball. Quinlan turned up on everything and reinforced why he is here and I thought it was good how we moved the ball after we made the break too.“But all credit to Jordan Turner. Our left edge has come under some flack over the last couple of weeks and it was poignant he put the ball down to win the game.”He continued: “I thought Mark Flanagan was massive. He grounded the ball after Turner had made that wonderful tackle. We did the little things we have have been missing over recent weeks and in the end we found a way to win the game. Our fight for each other on both sides of the ball was phenomenal because for large portions of the game we were on the back foot.“We lost Jon Wilkin to a thumb injury. We don’t know the extent yet. It hurt us time wise as he can do 80 minutes for you. Mark Flanagan went through a lot of pain tonight for the side and played 80 minutes.“He was phenomenal; he work rate was up there. Yes he doesn’t make 100 metre breaks that everyone likes but he works hard and tides up for us. He did a great job for us.”Saints are next in action on Friday July 24 at Langtree Park when they face Hull KR. You can buy your tickets from the Ticket Office at Langtree Park, by calling 01744 455 052 or by logging on here.
Add to Queue Millennial Millionaires and Their Prenups — What They Need to Be Thinking About Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. 6 min read –shares Guest Writer Divorce Opinions expressed by Entrepreneur contributors are their own. Next Article November 2, 2018 Bringing up the ‘P’ word before you marry may be awkward. But you can always tell your intended, ‘My lawyer made me do it.’ Fireside Chat | July 25: Three Surprising Ways to Build Your Brand Image credit: fizkes | Getty Images Enroll Now for $5 Copyrighter at Cross Marketing Kristen Gray There are those who say prenups (prenuptial agreements) kill the romance. But would you still think the same if you had a lot to lose should your marriage end in divorce?Related: How Will ‘Brangelina’ Divide Their Millions? And Who Gets the Winery?Over the past 20 years, the use of prenups has increased by a factor of five for millennials, according to the American Academy of Matrimonial Lawyers ( which defines millennials as those ages 18 to 34). From celebs like Kylie Jenner and Justin Bieber — who just signed premarital agreements with their partners — to Travis Scott, and Hailey Baldwin, and the many, many young marrieds active in the startup world, premarital agreements are trending, and for all the right reasons.That’s the view of Bay Area celebrity divorce lawyers Anne Cochran Freeman and Monica Mazzei, who practice family law at Sideman & Bancroft LLP. The two lawyers say they believe that with prenups, today’s entrepreneurs can best protect what they have worked so hard for.“What we are seeing today is an influx of up-and-coming millennials and entrepreneurs,” Mazzei told me. “These people are waiting longer to say, ‘I do,’ which means they typically have more assets, accumulated wealth from a 401(k) and stock options and possibly real-estate ventures.”They could potentially have a lot to lose if a prenup is not put in place. Who is to know that their assets could increase tenfold?”What many people don’t realize is that they also need to protect their intellectual property, not just their tangible assets. After all, people can launch several businesses during the course of a marriage. And, to some founders, a business is something they believe should be solely theirs no matter what.In that case, the very idea of a business has to be protected. “One of our clients simply had a business concept, a company that had not come into fruition. Her fiancé agreed to any future property or assets from said company being hers. The company is now worth $300 million,” Freeman said.In the case of Kylie Jenner and her makeup line, Kylie Cosmetics, the reality star opted to protect what assets she has now and those she will accumulate throughout her marriage, ensuring that her business will not be communal property. Because there are no exceptions to this clause, Jenner is 100 percent protected.Related: 6 Guidelines for Helping Your Business Survive a DivorceHow your startup comes into the mixCompanies today are also opting more and more for agreements where the board comes to an arrangement to protect assets among the partners in case divorces among them occur. “Stock options are a company’s property until an employee leaves the firm or [the company goes] public,” Freeman said. “But what if this employee gets a divorce before leaving, or what if they IPO? Adopting another partner to split stock options is never ideal.”Think of it this way: Every married couple is granted a prenup. This means either an agreement that the partners decide together, or that your state decides for you. Sure, you can always create a postnuptial agreement, but that option tends to become a bit messy should things ever go south.“Its best to arrange for a prenup while you still like one another,” said Mazzei. With millennials’ love of customization, it should be a no-brainer to opt for formulating a prenup with their partners.“A marriage is a two-person team; therefore, a couple needs to carve out some partnership in their marriage,” said Freeman. “This is commonly the family home or the greater salary, while investment properties are best left undivided, but the decision is yours. That’s the beauty of it.”How to bring up the “P” wordConvinced, but not sure how to bring up the topic? The “P” word can be daunting. “Love is in the air and the subject can be awkward, but it doesn’t have to be. Many of our clients blame their parents or their estate planner. It’s better this than to say it’s something you want to have,” said Freeman.Should you decide a prenup is a wise choice for you and your soon-to-be spouse, here are the guidelines to take note of:Make sure you attorney has business knowledge. “They must be business savvy and understand how to best plan for future contingencies,” said Freeman.”Both parties also need to have their own separate attorney for a prenup to be valid.”Plan ahead with a prenup. “It is advised to not start arranging for a prenup less than one month before your marriage,” Mazzei said. “You should get the ball rolling at least three to four months out, especially if you have a lot of property and assets. Our longest prenuptial agreement took a year and a half to finalize because of corporate counsel, working with people outside of the country, an estate-planning attorney, a tax attorney and family business.Pay attention to the details. Does your partner have offshore accounts? Where will you be living? These questions may require tax attorneys and estate attorneys to partner up on what will happen with your valuable assets. “Many of our clients are techies who are originally from China or India, and who now live in the Bay Area: Their agreements involve international attorneys, which increases the amount of time to draft an agreement,” Freeman said.Recognize that no two prenups are alike, because no two couples are alike. “Clients come to see us with examples of a friend’s ironclad contract, but agreements are not one size fits all,” Mazzei said. “There are many variables to consider, and they are unique to each relationship. Are there children involved, or will there ever be? How do children affect financial decisions? There are psychological aspects, and where you plan to live matters, too.”Prepare for the future. “Imagine,” said Freeman, “being divorced from your spouse, who took care of the children and home, and not having a nanny to come to the rescue. After a divorce, many of our Silicon Valley clients who once had their partner handle dinner arrangements, vacation planning and child-rearing while they were at the office, are left with the question, ‘Now, what?'”Related: Shark Tank’s Kevin O’Leary Says Married Entrepreneurs Must Do This or Risk DivorceExperiencing a divorce is a trying time no matter how much or how little money you have, and a breakup causes a ripple effect. You can’t call your ex-wife or secretary, so you turn to someone you trust: your lawyer. If this professional is both a oncierge-level specialist and a personal counsel to you in all the meaning of that word, you just may get back to living your best life — in one piece.
The U.S. Supreme Court on Tuesday declined to hear a challenge to controversial debit card “swipe fee” rules, dealing a blow to retailers, grocers and restaurant owners who argued the charges were unfairly high.Businesses pay the fees to banks when customers use debit cards to purchase goods or services. The fees reimburse banks for costs involved in offering debit cards.The high court’s refusal to hear the case keeps intact a March 2014 ruling by the U.S. Court of Appeals for the District of Columbia Circuit that found the fees set by the Federal Reserve at 21 cents per transaction were appropriate.The dispute between banks and merchants centers around swipe, or interchange, fees that are determined by Visa Inc (V.N), MasterCard Inc(MA.N) and other card networks.Before Congress intervened, retailers paid as much as 44 cents per transaction, which they said made it hard for small businesses to accept debit cards.In 2010, lawmakers ordered the Fed to cap the fees in hopes that would reduce prices for consumers. Banks said lower fees might not cover all of the costs in providing cards, such as monitoring for fraudulent purchases.”Consumers must come first in this process, not the bottom-line of retailers,” said Richard Hunt, president of the Consumer Bankers Association. “This drawn-out fight should put on notice those members of Congress who insist upon interfering with the free market.”The fee cap was included in the 2010 Dodd-Frank law in a provision known as the “Durbin amendment,” after its chief supporter, Democratic Senator Richard Durbin of Illinois. After the law passed, the Fed capped fees at 21 cents per transaction.The National Retail Federation, whose members include Wal-Mart (WMT.N) and JCPenney (JCP.N), the National Restaurant Association and other groups were expecting a much lower cap. They criticized the Fed’s interpretation of Dodd-Frank and, in 2011, sued the regulator.A U.S. district court in July 2013 agreed that lawmakers wanted much lower fees and overturned the Fed’s rule.But the appeals court disagreed, saying in 2014 that Dodd-Frank’s language was sufficiently ambiguous to give regulators leeway to set a higher fee cap.The high court’s decision not to hear the case “means retailers will keep paying billions of dollars more than they should, and that fee-hungry banks will continue to rake in unearned profits that ultimately come out of consumers’ pockets,” said the National Retail Federation’s general counsel, Mallory Duncan.Fed spokeswoman Susan Stawich declined to comment.The case is NACS v. Board of Governors of the Federal Reserve System, U.S. Supreme Court, No. 14-200.(Editing by Will Dunham) –shares Next Article January 20, 2015 3 min read Register Now » Swipe Fees Add to Queue U.S. Top Court Rejects Challenge to Debit Card ‘Swipe Fees’ Rules Learn how to successfully navigate family business dynamics and build businesses that excel. Reuters This story originally appeared on Reuters Free Webinar | July 31: Secrets to Running a Successful Family Business
According to Forbes, after 2018, more than 80% of consumer internet traffic will come from video contents. To address this growing trend, GVATE launched a custom-made video news wire services for large, medium and small scale law firms to enlarge their reach and increase ROI both locally and nationally. The name of the solution is Law Firm Press.Why is law firm press unique?CAN YOUR PRESS RELEASE MAKE THE HEADLINES TODAY, TOMORROW AND FOR THE NEXT 10+ years? What was once impossible is now a reality.More businesses are realizing the importance of PR distribution services. It’s beyond a newsflash or a database for journalists to cherry-pick news for their editorials. It is now an effective marketing tool deployed by informed business owners to promote news about their businesses and attract big investors or clients to their doorsteps.With a single optimized press release, you can reach hundreds of potential clients and millions of interested readers. With optimized video press releases, you wield the commercial power to continuously convert leads into long-term clients. In addition, SEO experts continuously optimize the video and your web page by building backlinks to your content every month. With every view comes an increase in authority and voice within your industry.Marketing Technology News: Captify and Publicis Media Release New Research Revealing Global Beauty Trends That Will Transform The Larger FMCG EcosystemWhat are some of the features of law firm press video press release?Many of the current crops of PR distribution services are generic in nature and do not offer premium services for law firms like Law Firm Press.Unlike some of the press release out there, law firm press aims to automate growth that is hard to find with standard press release without taking away the human touch of having a professional marketing expert available to address any of your creative needs.Marketing Technology News: iQIYI Launches World’s First Professional Interactive Video Guideline and Video Platform to Standardize Interactive Content CreationSome of the features that the solutions have to offer comprise of the following:Dedicated digital marketing managerVisual digital analytics dashboardMainstream and downstream national media coverageUnlimited word count for press releasesOngoing Search Engine Optimization (research, analysis, and audit)Priority video advertising5% discount off every additional within a 30 day periodOptimized video press releasesYouTube and Vimeo links embeddedPremium News NetworkSocial Media AdvertisingOngoing Backlinks generationIncreased ROIMarketing Technology News: Arvind Fashions Partners With Nucleus Vision to Create a More Seamless and Personalized Shopping Experience Law Firm Press – Video Press Release Solution Aimed At Revolutionizing How Law Firm Press Release Works PRNewswireMay 15, 2019, 7:55 pmMay 15, 2019 custom-made videoForbesGVATELaw Firm PressMarketing TechnologyNewsvideo contents Previous ArticleSoulmates.AI’s new Social ROI Reporter Measures the Real Value of Social Media MarketingNext ArticleUberall Study: Over 20% Using Voice Search Every Week
AndroidB2B admissions portalIoSMarketing TechnologyNewsSearch Engine AppWeRecover Previous ArticleTBWA\Media Arts Lab Appoints Ricardo Adolfo as Executive Creative Director for Japan and KoreaNext Article3 Things to Know About Creating a High-Yielding Marketing Department The WeRecover app supports two user types: prospective patients and treatment providers.Prospective patients (and their families) can:Build a search query based on their clinical needs, contact information, insurance information and budgetMatch with treatment centers where they are admissibleRefine their results by taking a clinical self-assessment (based on models developed by ASAM and the DSM-5) to gauge their acuity and treatment needsFilter their matches by modalities, clinical services, activities, amenities and locationConnect with providers either by SMS or phoneProviders (treatment centers) can:Establish match criteria based upon their capacity to treat different types of clientsManage and view matchesSet capacity requirements so as to not receive matches when they are fullSet hours of availabilityManage communications amongst large, multidisciplinary admissions teamsAdditionally, WeRecover has announced the launch of a new product, MAP (Mobile Admissions Portal), which is available to providers within the WeRecover app. MAP enables providers to:Leverage WeRecover’s CRM to simplify their admissions process and workflowsInstantly check insurance benefitsSecurely send & receive referrals on a HIPAA-compliant cloudMAP utilizes WeRecover’s existing insurance technology and payor integrations to deliver providers a robust set of tools that enable them to check a prospective patient’s insurance benefits in realtime and make an immediate admissions decision. When a patient is inadmissible to a particular treatment program for any reason, MAP simplifies the referral process. Providers, while in communication with patients, can securely identify an appropriate facility for the patient and transmit the patient data to that facility with the patient’s consent.The goal of the WeRecover app, which includes the MATCH and MAP products, is to reduce the time spent by both patients and providers navigating the admissions process, and distill it down to a simple experience that can be navigated in minutes.Marketing Technology News: Adobe Survey Says That Voice and Screen Combined Are the Future Addiction treatment search engine WeRecover announced the launch of the WeRecover app for both iOS and Android. WeRecover is a venture-backed technology company committed to broadening access to care for addiction treatment. They have helped thousands of people find treatment through their website since they launched in 2018. Today, their B2C treatment search engine (MATCH), and new B2B admissions portal (MAP), are now available together via the WeRecover mobile app. WeRecover Launches Addiction Treatment Search Engine App for iOS And Android PRNewswire9 hours agoJuly 23, 2019 WeRecover COO Max Jaffe explained, “We took a deep dive analyzing how people are currently finding and getting into substance use disorder treatment. The reality is: there are many antiquated workflows that have yet to modernize. We’re leveraging sophisticated technological innovation to streamline many of the inefficiencies in admissions workflows in order to simplify the process for people and help them make more informed decisions about their own care. This app helps plug the enormous leakage in case management and continues to progress the ideal of transparency in a vertical of healthcare that desperately needs it.”Marketing Technology News: OpenText Automates Invoicing for Rosneft Deutschland
Reviewed by Kate Anderton, B.Sc. (Editor)Jan 25 2019The crucial hormone insulin needs help acquiring the right structure. A protein that assists in the process of insulin folding has just been discovered in a new study conducted by researchers at the Department of Biomedical Sciences, University of Copenhagen. They hope the new research results can be used to develop treatments for conditions such as increased level of insulin in the blood known as hyperinsulinemia.Even though researchers have been familiar with and studied the hormone insulin for more than a hundred years, especially in connection with diabetes, they still make new discoveries concerning the hormone. Now researchers from the Faculty of Health and Medical Sciences at the University of Copenhagen have uncovered a hitherto unknown process in the production of insulin. The new research results have just been published in the scientific journal Diabetes.Insulin is produced in the beta cells of the pancreas. The hormone is produced as a precursor called proinsulin. For proinsulin to mature into functional insulin, it needs to be folded and processed correctly to acquire the right structure with assistance from proteins that are termed chaperones. The researchers have now discovered and identified such a chaperone. A proinsulin chaperone termed glucose-regulated protein GRP94.’Even though proinsulin has a relatively short sequence, it still needs help acquiring the right structure to become mature, functional insulin. However, several other studies have shown that proinsulin can be folded without help from proteins in artificial cell-free conditions. Yet, our study conducted in live cells shows that proinsulin is not folded correctly and does not acquire the right structure without help from GRP94,’ says last author of the study, Associate Professor Michal Tomasz Marzec from the Department of Biomedical Sciences at the University of Copenhagen.Impaired Insulin Production and SecretionIn the study the researchers removed or inhibited the protein GRP94 in to see what happened with the proinsulin and the cells. They observed that the proinsulin was not folded correctly and the beta cells did not secrete sufficient amounts of insulin. The researchers were surprised though to learn that removal of GRP94 did not affect cell viability. Nothing happened to the cells after they had removed the protein.Related StoriesVirus killing protein could be the real antiviral hero finds studyRNA-binding protein SRSF3 appears to be key factor for proper heart contraction, survivalStudy reveals how protein mutation is involved in Christianson syndrome’This is surprising, because one would anticipate that the beta cells would die from stress when huge amounts of misfolded proinsulin accumulate inside the cells. It is like removing the bearing beam without weakening the construction. This indicates that the GRP94 protein plays a very specialized function and that beta cells are well-prepared to mount effective responses to deal with consequences of misfolding of proinsulin. We are currently working to understand these responses and their biological and pathological consequences,’ says Associate Professor Michal Tomasz Marzec.According to the researchers, the research results may make it possible in the future to manipulate the process from proinsulin to insulin in the body’s beta cells. If you can use medicine to inhibit the assistant protein, the result would be reduced insulin secretion. This would be useful in connection with conditions like hyperinsulinemia, where the body produces too much insulin. In the long term, they also hope the new knowledge will be useful in connection with types 1 and 2 diabetes.’We hope this new discovery will guide the development of novel drugs. Understanding the biological processes behind the production of insulin in the cells will enable us to modify the processes. We thus hope we will be able to inhibit overproduction of insulin as it occurs in children and adults with hyperinsulinemia. In the long term we also hope we will be able to increase the production of insulin, ease the large production burden of beta cells in connection with type 2 diabetes and to maintain their secretion function for longer without the need for insulin injections,’ says Associate Professor Michal Tomasz Marzec. Source:https://healthsciences.ku.dk/newsfaculty-news/2019/01/researchers-discover-key-protein-in-the-production-of-insulin/
Prime Minister Narendra Modi – Reuters national politics COMMENTS About 63 per cent of respondents participated in a digital survey conducted by a content aggregator and a market research agency have said they have more or similar levels of trust in Prime Minister Narendra Modi’s abilities to steer the country as compared to 2014 and half the participants felt a second term for him would be good for them.The survey was carried out by Daily Hunt and Nielsen India and they claimed that 5.4 million people who are frequent visitors to the former’s platforms in 10 different languages participated in the survey. The results of the survey conducted during last month were announced here on Thursday.Revealing the findings, Daily Hunt President Umang Bedi said the survey was not politically-motivated. “Our only motivation was to bring out the voice of real Bharat,” Bedi said adding that a large number of respondents were from tier 2 and tier 3 towns and cities. According to the survey, 60 per cent of the respondents felt Modi was a better leader to root out corruption followed by Arvind Kejriwal (15 per cent) and Rahul Gandhi (14 per cent). About 62 per cent of the participants said Modi was their pick for leading the nation during a national crisis. Rahul Gandhi came a poor second with 17 per cent rooting for him.Interestingly, most south Indian States, barring Karnataka, were circumspect about Modi’s leadership qualities, while half or more respondents from the States in other geographic regions gave him a thumbs-up, the firms claimed. COMMENT Published on November 01, 2018 SHARE SHARE SHARE EMAIL Respondents from most southern States barring Karnataka were however circumspect about PM’s leadership qualities