My Weekly Reading Progress Report

4325

How to decide when it's time to save or invest, according to 3 financial planners

How to decide between saving vs. investing, from financial planners - Business Insider

1 annotation

4484

"I really want to clear my life to make it so that I have to make as few decisions as possible about anything except how to best serve this community," Zuckerberg said.
"My life couldn't be happier. In fact, it'd be worse if I had six or eight houses. So, I have everything I need to have, and I don't need any more because it doesn't make a difference after a point."
Premji also flies economy, drives secondhand cars, and always reminds employees to turn off the lights at the office.
The self-made billionaire packs a lunch of a sandwich and Gatorade before work every day and, until recently, he shared hotel rooms with colleagues during travel.
Like fellow billionaire Mark Zuckerberg, the Spanish fashion magnate maintains a simple uniform. His consists of a blue blazer, white shirt, and gray pants that he wears every day.

Habits of billionaires who choose to live frugally - Business Insider

5 annotations

business and industrial

8459

The job market hasn’t been so dire. We haven’t really had a single company that’s said it’s not interested in engaging with students
He highlights the growing importance of ethics and responsible finance, as well as the subject’s social aspects.
we are adjusting our programmes because the financial sector is changing.”
I’m already feasting my eyes on examples of corporate failure, looking at the accounts. It will obviously provide rich pickings,” he says.
“what can finance do for the world of coronavirus”
If the job market is uncertain, it’s a good time to spend that year studying you had always dreamt of.”
The fact that MIT is starting its next MiF online has at least one advantage: it provides breathing space.
a flexible mixture of “hybrid” learning that combines face-to-face with remote learning depending on how the pandemic evolves.
restructure and replace internships and work projects for students as employers closed their offices.
Schools adjust to a new way of working

Schools adjust to a new way of working | Financial Times

10 annotations

www.ft.com

4462

annual survey of book recommendations compiled by Bloomberg.
only about 15 % of all the money in our market system actually ends up in the real economy – the rest stays within the closed loop of finance itself.
Makers and Takers: The Rise of Finance and the Fall of American Business by Rana Foroohar
analysis of a culture in crisis—that of white working-class Americans. The decline of this group, a demographic of our country that has been slowly disintegrating over forty years,
what few of us realize is how the misguided financial practices and philosophies that nearly toppled the global financial system have come to infiltrate ALL American businesses, putting us on a collision course for another
Hillbilly Elegy: A Memoir of a Family and Culture in Crisis by J.D
The Pope of Physics: Enrico Fermi and the Birth of the Atomic Age by Gino Segrè and Bettina Hoerlin

The Best Books Of 2016 Recommended By Famous Investors

7 annotations

www.valuewalk.com

1092

Initial unemployment claims totaled 900,000 for the week ended January 16, or better than the 935,000 and the prior week’s revised 926,000. The four-week moving average for new claims jumped by nearly 24,000 to 848,000 this week.Continuing claims, a measure of the total number of individuals still receiving regular state unemployment benefits, improved more than expected last week and have remained on a mostly steady downtrend since peaking at nearly 25 million in May. These totaled 5.054 million during the week ended January 9, beating estimates for 5.300 million expected and falling from a revised 5.181 million from the prior week.
Housing starts jumped 5.8% in December over November to a seasonally adjusted annual rate of 1.669 million, the Commerce Department said Thursday. This marked the highest level since 2006, and handily topped estimates for a rise of less than 1% to a 1.56 million rate, according to Bloomberg data. In November, housing starts had increased 3.1% month-over-month.Building permits, which indicate future homebuilding, unexpectedly spiked in December by 4.5%, reaching a seasonally adjusted annualized rate of 1.709 million. Consensus economists had expected a drop of 1.7% in permits, following November’s revised 5.9% monthly advance.
“We’re going to see not just bandaid stimulus which we’ve seen in the past, but real job creation stimulus,” Peter Tchir, head of macro strategy at Academy Securities, told Yahoo Finance. “And I don’t think we can underestimate the impact of Yellen. The market really started rallying [Tuesday] when Yellen was speaking ... I think she’s going to be very aggressive in her policies, she’s going to figure out more ways to work with the Fed, so I think there’s a lot of optimism on what she could do as well as part of this administration, assuming the confirmation goes fine.”
“I’ve actually been very surprised by how the market has really brushed aside all the political issues that we’ve had in the first three weeks of the year. I would have assumed coming into the year that had the Democrats swept the Senate, the House and won the presidency that the markets would have sold off on the back of a potential increase in the corporate tax rate in the future,” John Petrides, portfolio manager at Tocqueville Asset Management, told Yahoo Finance. “Clearly I think investors are focused on the short term and Biden’s go-big policy on fiscal stimulus, which is clearly much needed as the COVID cases continue to rip through the U.S.”
Stocks ticked up slightly Thursday morning, holding near the recent record levels.Each of the S&P 500, Dow and Nasdaq added slightly to their record closing highs, as traders looked ahead to the additional fiscal stimulus and other government spending likely to occur under President Joe Biden’s administration. Biden began his term on Wednesday by signing a number of executive orders to address the COVID-19 pandemic, enable environmental protection initiatives and roll back many of the Trump administration’s immigration policies, among other measures. He is also poised to sign additional executive orders on Thursday.

Stock market news live updates: Stocks drift near records as Biden prepares to sign more executive orders addressing pandemic

5 annotations

4391

Nov. 8, Modi blindsided citizens by announcing on national television that their 500 rupee and 1,000 rupee ($15) notes would be worthless come midnight
The decision rattled the world’s second-most populous nation, where cash dominates day-to-day life
Most of India, data show, is unfamiliar with the available options.
One reason for the lack of technological options is that the availability of third-generation mobile spectrum and broadband is limited. Of India’s 1.3 billion population, less than 300 million use the Internet. Of the total number of Indians who own a mobile phone, only about 26 percent have smartphones, which are essential to run payment apps.
This is by far the most sweeping change in currency policy that has occurred anywhere in the world in decades."

How India's Cash Chaos Is Shaking Everyone From Families to Banks - Bloomberg

5 annotations

family and parenting

1159

more emphasis for us on supporting that mental health and helping those kids feel like they’re supported, and it’s OK to have whatever anxiety and stress they’re feeling,
The Be You Wellness program will serve more than 200 youth and will address mental and chronic health challenges. Staff will go through a new training program and lead kids in different activities.
their youth, especially those in the Black community, to know they’re there to help. “COVID, normal life, plus the events of the last three weeks, month since George Floyd absolutely has put a lot more emphasis for us on supporting that mental health and helping those kids feel like they’re supported, and it’s OK to have whatever anxiety and stress they’re feeling,” said Placzkowski. Dymond Cummings, another member participating in the program, thinks it’s important that kids address these challenges early on, so they have a better chance at a brighter future. “They have really opened me up because I was a shy little girl at first, like I didn’t really talk to anybody, but over all the years they have really shaped me into a bigger and better person, taught me how to be a leader,” said Cummings. The program will run into 2021 and is supported by the Grand Rapids Police Department, Grand Rapids Public Schools, Grand Rapids Community College and Stockbridge Business Association. —– Online: Boys & Girls of Grand Rapids Youth Commonwealth Copyright 2020 Nexstar Broadcasting, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed. Share this story AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to WhatsAppWhatsAppShare to SMSSMSShare to EmailEmailShare to MoreAddThis (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-mr1_mobile-mr1_mobile' } } ); window.dispatchEvent(event); } catch (err) {} })(); Around the WebThe Best Kept Secret to an Itch Free DogItch Relief Chews - Petlab2015 Dodge Dart SXTISEECARSThe Real Reason They're Keeping Americans HomeStansberry ResearchPennsylvania: Why Are People in Brookhaven Snapping Up This $89 AC Unit?Blaux Personal ACRemoving Moles & Skin Tags Has Never Been This EasySkincell ProThe States Where Americans Don't Want To Live AnymoreMoneyWise.comThe Most Successful Attorneys in Brookhaven. See the ListFind Attorney | Sponsored4 Worst Blood Pressure Drugs Simple Blood Pressure Fix Pennsylvania: Gov't Will Pay $271/month off Your Mortgage if You Apply NowMortgage BenefitsThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view our Privacy Policy and your opt out options here.Got it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel More Grand Rapids Stories 16th person charged in downtown Grand Rapids riot by WOODTV.com staff / Jul 1, 2020 GRAND RAPIDS, Mich. (WOOD) — Charges have been filed against another person in connection to the May 30 and May 31 riot in downtown Grand Rapids, prosecutors say. Kent County Prosecutor Chris Becker announced Wednesday that Howard Eugene Nall, 34, has been charged with one count of rioting, one count of malicious destruction of property and one count of breaking and entering. Read the Full Article (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr3-leader_mr3' } } ); window.dispatchEvent(event); } catch (err) {} })(); Goodbye, free parking: Grand Rapids resumes enforcement July 6 by Christa Ferguson / Jul 1, 2020 GRAND RAPIDS, Mich. (WOOD) — Drivers enjoying free parking at Grand Rapids meters: Your time is almost up. The city recently posted notices near meters warning drivers that parking enforcement will resume Monday. The message: “Pay your meter!” or get ready to pay for parking tickets. Read the Full Article COVID-19 limits ways you can cool down this summer by Whitney Burney / Jun 30, 2020 GRAND RAPIDS, Mich., (WOOD) — The city of Grand Rapids has limited options available for the public to cool down this year. County officials credit the COVID-19 pandemic. This summer, only two cooling centers are available to the public: Mel Trotter Ministries and Heartside Ministry in downtown Grand Rapids. Last year there were more than a dozen available. Read the Full Article .cls-1{fill:#fff;fill-rule:evenodd} Video (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr1-leader_mr1-story-pages' } } ); window.dispatchEvent(event); } catch (err) {} })(); Top Stories Pfizer reports encouraging, very early vaccine test results 262 more coronavirus cases confirmed in Michigan .cls-1{fill:#fff;fill-rule:evenodd} Video Lowell picks new police chief KDL delays reopening due to increased risk of virus Republicans, with exception of Trump, now push mask-wearing Stimulus check round 2: Jobs report on Thursday could be key .cls-1{fill:#fff;fill-rule:evenodd} Video (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr4-leader_mr4-facebook-users-only' } } ); window.dispatchEvent(event); } catch (err) {} })(); Citing racial bias, San Francisco will end release of mug shots 16th person charged in downtown Grand Rapids riot Deputies on scene of standoff in rural Ottawa County .cls-1{fill:#fff;fill-rule:evenodd} Video Goodbye, free parking: Grand Rapids resumes enforcement July 6 MI Supreme Court declines to hear Charles Pickett appeal Board finds it has authority on guns at Michigan Capitol Read more stories (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr2-leader_mr2' } } ); window.dispatchEvent(event); } catch (err) {} })(); More Stories Suspect accused of football game threat enters guilty plea Portion of ‘Dragon’ trail now open to bikers, hikers .cls-1{fill:#fff;fill-rule:evenodd} Gallery Report: Cause of large Kzoo fire undetermined KDPS: 2 teens arrested after ‘rolling gunfight’ Read more stories (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-mr_combo1-mr_combo1' } } ); window.dispatchEvent(event); } catch (err) {} })(); Know something newsworthy? 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“It’s important for me to go to the protests because I feel like if they’re my people, even if they’re not my people, I feel like I should stand with them.”
With the coronavirus and systemic racism disproportionately affecting the Black community, the club wants to help with its new Be You Wellness program.
The Boys & Girls Club of Grand Rapids Youth Commonwealth is kicking off a new program to help kids focus on their mental health.
Boys & Girls Club launches mental health program
Grand Rapids by: Dana Whyte Posted: Jul 1, 2020 / 05:00 AM EDT / Updated: Jul 1, 2020 / 05:53 AM EDT {"mcp":"LIN","width":"100%","height":"100%","video":"5638267","autoplay":true,"expect_preroll":true,"pInstance":"p9","plugins":{"comscore":{"clientId":"6036439","c3":"woodtv.com","script":"//w3.cdn.anvato.net/player/prod/v3/plugins/comscore/comscoreplugin.min.js","useDerivedMetadata":true,"mapping":{"video":{"c3":"woodtv.com","ns_st_st":"wood","ns_st_pu":"Nexstar","ns_st_ge":"News"},"ad":{"c3":"woodtv.com","ns_st_st":"wood","ns_st_pu":"Nexstar","ns_st_ge":"News"}}},"dfp":{"adTagUrl":"https://pubads.g.doubleclick.net/gampad/ads?sz=1x1000&iu=/5678/lin.wood/news/grand_rapids&impl=s&gdfp_req=1&env=vp&output=vmap&unviewed_position_start=1&vid=short_onecue&cmsid=1234&url=https://www.woodtv.com/news/grand-rapids/boys-girls-club-launches-mental-health-program/&ciu_szs=728x90,300x250&ad_rule=1&description_url=https://www.woodtv.com/news/grand-rapids/boys-girls-club-launches-mental-health-program/&cust_params=vid%3D5638267%26cmsid%3D356543%26pid%3D356543%26vidcat%3D/news/grand_rapids%26bob_ck%3D[bob_ck_val]%26d_code%3Dna003"}},"accessKey":"qN1zdy1w0ggN6Umn7sgkuVd7q2AWkJo9","token":"eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJ2aWQiOiI1NjM4MjY3IiwiaXNzIjoicU4xemR5MXcwZ2dONlVtbjdzZ2t1VmQ3cTJBV2tKbzkiLCJleHAiOjE1OTM2MzU1NDl9.aDfquJ3BjVZlGTCjmwCodNLCPFW2AnaYnKbBKOTiFlM","expectPrerollTimeout":8,"nxs":{"mp4Url":"https://nxsglobal.storage.googleapis.com/wood/video/video_studio/75/20/07/01/5638267/5638267_14CF04A2699E49618750E63BFB8ABA27_200701_5638267_Boys___Girls_Club_launches_mental_health_program_600.mp4"},"disableMutedAutoplay":false,"recommendations":true,"expectPreroll":true,"titleVisible":true,"trackTimePeriod":60} AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to WhatsAppWhatsAppShare to SMSSMSShare to EmailEmailShare to MoreAddThis GRAND RAPIDS, Mich. (WOOD) — The Boys & Girls Club of Grand Rapids Youth Commonwealth is kicking off a new program to help kids focus on their mental health. Officials say that 90 percent of the kids they serve are of color and 64 percent of them are African American. With the coronavirus and systemic racism disproportionately affecting the Black community, the club wants to help with its new Be You Wellness program. “I have been to the protests, most of the protests downtown,” said Myaja Dunning, a six-year member of the Boys & Girls Club of Grand Rapids. “It’s important for me to go to the protests because I feel like if they’re my people, even if they’re not my people, I feel like I should stand with them.” Dunning says focusing on mental health is crucial right now and she wants the club to help other kids the way it’s helped her. “Between school, my weight, I’ve struggled with my weight my whole life, they’ve made me happier overall,” said Dunning. The Be You Wellness program will serve more than 200 youth and will address mental and chronic health challenges. Staff will go through a new training program and lead kids in different activities. CEO Patrick Placzkowski says he wants their youth, especially those in the Black community, to know they’re there to help. “COVID, normal life, plus the events of the last three weeks, month since George Floyd absolutely has put a lot more emphasis for us on supporting that mental health and helping those kids feel like they’re supported, and it’s OK to have whatever anxiety and stress they’re feeling,” said Placzkowski. Dymond Cummings, another member participating in the program, thinks it’s important that kids address these challenges early on, so they have a better chance at a brighter future. “They have really opened me up because I was a shy little girl at first, like I didn’t really talk to anybody, but over all the years they have really shaped me into a bigger and better person, taught me how to be a leader,” said Cummings. The program will run into 2021 and is supported by the Grand Rapids Police Department, Grand Rapids Public Schools, Grand Rapids Community College and Stockbridge Business Association. —– Online: Boys & Girls of Grand Rapids Youth Commonwealth Copyright 2020 Nexstar Broadcasting, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed. Share this story AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to WhatsAppWhatsAppShare to SMSSMSShare to EmailEmailShare to MoreAddThis (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-mr1_mobile-mr1_mobile' } } ); window.dispatchEvent(event); } catch (err) {} })(); Around the WebThe Best Kept Secret to an Itch Free DogItch Relief Chews - Petlab2015 Dodge Dart SXTISEECARSThe Real Reason They're Keeping Americans HomeStansberry ResearchPennsylvania: Why Are People in Brookhaven Snapping Up This $89 AC Unit?Blaux Personal ACRemoving Moles & Skin Tags Has Never Been This EasySkincell ProThe States Where Americans Don't Want To Live AnymoreMoneyWise.comThe Most Successful Attorneys in Brookhaven. See the ListFind Attorney | Sponsored4 Worst Blood Pressure Drugs Simple Blood Pressure Fix Pennsylvania: Gov't Will Pay $271/month off Your Mortgage if You Apply NowMortgage BenefitsThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view our Privacy Policy and your opt out options here.Got it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel More Grand Rapids Stories 16th person charged in downtown Grand Rapids riot by WOODTV.com staff / Jul 1, 2020 GRAND RAPIDS, Mich. (WOOD) — Charges have been filed against another person in connection to the May 30 and May 31 riot in downtown Grand Rapids, prosecutors say. Kent County Prosecutor Chris Becker announced Wednesday that Howard Eugene Nall, 34, has been charged with one count of rioting, one count of malicious destruction of property and one count of breaking and entering. Read the Full Article (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr3-leader_mr3' } } ); window.dispatchEvent(event); } catch (err) {} })(); Goodbye, free parking: Grand Rapids resumes enforcement July 6 by Christa Ferguson / Jul 1, 2020 GRAND RAPIDS, Mich. (WOOD) — Drivers enjoying free parking at Grand Rapids meters: Your time is almost up. The city recently posted notices near meters warning drivers that parking enforcement will resume Monday. The message: “Pay your meter!” or get ready to pay for parking tickets. Read the Full Article COVID-19 limits ways you can cool down this summer by Whitney Burney / Jun 30, 2020 GRAND RAPIDS, Mich., (WOOD) — The city of Grand Rapids has limited options available for the public to cool down this year. County officials credit the COVID-19 pandemic. This summer, only two cooling centers are available to the public: Mel Trotter Ministries and Heartside Ministry in downtown Grand Rapids. Last year there were more than a dozen available. Read the Full Article .cls-1{fill:#fff;fill-rule:evenodd} Video (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr1-leader_mr1-story-pages' } } ); window.dispatchEvent(event); } catch (err) {} })(); Top Stories Pfizer reports encouraging, very early vaccine test results 262 more coronavirus cases confirmed in Michigan .cls-1{fill:#fff;fill-rule:evenodd} Video Lowell picks new police chief KDL delays reopening due to increased risk of virus Republicans, with exception of Trump, now push mask-wearing Stimulus check round 2: Jobs report on Thursday could be key .cls-1{fill:#fff;fill-rule:evenodd} Video (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr4-leader_mr4-facebook-users-only' } } ); window.dispatchEvent(event); } catch (err) {} })(); Citing racial bias, San Francisco will end release of mug shots 16th person charged in downtown Grand Rapids riot Deputies on scene of standoff in rural Ottawa County .cls-1{fill:#fff;fill-rule:evenodd} Video Goodbye, free parking: Grand Rapids resumes enforcement July 6 MI Supreme Court declines to hear Charles Pickett appeal Board finds it has authority on guns at Michigan Capitol Read more stories (function () { try { var event = new CustomEvent( "nsDfpSlotRendered", { detail: { id: 'acm-ad-tag-leader_mr2-leader_mr2' } } ); window.dispatchEvent(event); } catch (err) {} })(); More Stories Suspect accused of football game threat enters guilty plea Portion of ‘Dragon’ trail now open to bikers, hikers .cls-1{fill:#fff;fill-rule:evenodd} Gallery Report: Cause of large Kzoo fire undetermined KDPS: 2 teens arrested after ‘rolling gunfight’ Read more stories

Boys & Girls Club launches mental health program | WOODTV.com

8 annotations

www.woodtv.com

4505

Professional investors may be using the dips as an opportunity to get back in. When there are pullbacks in price, Sonnenshein said incoming phone calls and the emails are often about putting more money to work.“Investors are used to seeing those types of cycles in the price,” he said. “They’re using pullbacks in price opportunistically to double down and add to their positions.”
“The kind of inflows that we’re reporting should be evidence that investors are not waiting for an ETF to begin participating in this asset class,” Sonnenshein said.
“The most prevalent theme for investment conviction in bitcoin is coming from a rotation out of gold,” he said. “Investors are also anecdotally sharing that that’s where, and how they’re making room for bitcoin in their portfolios.”
Many professional investors see it as an alternative to established safe-haven assets, such as gold, and a hedge against “perpetual money printing” by central banks, Sonnenshein said.
Institutional demand has been cited as a key reason for bitcoin topping $40,000 last week and a triple-digit rally last year. Sonnenshein said those professional investors often don’t have the legal or “operational wherewithal” to buy and hold cryptocurrencies safely.
Billionaire hedge fund manager Paul Tudor Jones called bitcoin the “best inflation hedge” and compared it to putting money behind tech giants like Apple and Google. Stanley Druckenmiller and Bill Miller are among the other high-profile bitcoin bulls. Their backing, analysts say, has given Wall Street more confidence to invest.
“We saw a meaningful acceleration of institutional participation,” Michael Sonnenshein, who recently took over as CEO of Grayscale Investments, told CNBC in a phone interview. “There’s no longer professional risk of investing in the digital currency asset class — there’s probably more career risk in not paying attention to it.”
The New York-based investment firm kicked off last year with $2 billion in assets and ended with more than $20.2 billion. That 900% increase was driven by demand from institutional investors such as hedge funds, endowments and pension funds, the company said in a quarterly report Thursday.
Grayscale saw its assets under management skyrocket as Wall Street used it as a proxy to invest in bitcoin.

Grayscale sees 900% jump in inflows as Wall Street flocks to bitcoin

9 annotations

4404

台杉投資管理公司
台杉投資標的將以「五加二」創新產業為主
台杉將結合政府與民間資源，對初創期、種子期的創新企業提供資金、技術及經營輔導等協助，為國內投資添柴火。
亞洲矽谷、智慧機械、綠能科技、生技醫藥、國防及新農業、循環經濟
目前我們設定「內部投資報酬率（Internal Rate of Return）」大概十五％至二十％，折算平均每年投資報酬率大概六％、七％

《星期專訪》吳榮義︰投資有缺口台杉添柴火 - 財經 - 自由時報電子報

5 annotations

m.ltn.com.tw

5571

And get your vaccinations [for] flu and whatever else you need.”
“Older people should not neglect seeing their healthcare providers, now mor
Caplan says that when you consider that 60 percent of Americans have some kind of underlying health condition, that 40 percent of adults are obese, and that many aging Americans have heart health issues, it just makes sense that as a person ages, a COVID-19 battle gets more challenging.
The CDC now says, “People in their 50s are at higher risk for severe illness than people in their 40s. Similarly, people in their 60s or 70s are, in general, at higher risk for severe illness than people in their 50s. The greatest risk for severe illness from COVID-19 is among those aged 85 or older.
“The healthier our patients are, the better they do with COVID-19. Focus in earnest more than ever on your health. Across the board, the best outcomes come from this.”
Even those with type 2 diabetes who take medication may need injected insulin during treatment, he added.
“When [a person with diabetes] is in the hospital for this, their insulin needs go way up,” he said.
However, there is research that concludes people with diabetes can develop more serious cases of COVID-19.
First, there’s no evidence yet that people with diabetes are more likely to contract the novel coronavirus.
“Pregnancy is a stress on a healthy woman’s body.”That’s why, he said, a pregnant woman who contracts COVID-19 may face more severe outcomes.
By removing a set age cut off, the updated guidelines give notice to people with underlying conditions of all ages that they are more likely to end up in an intensive care unit (ICU) if they contract the viru
The updated guidelines also remove 65 as the age when more severe outcomes may occur
The agency is warning that people with type 2 diabetes, kidney disease, whole organ transplants, and women who are pregnant could experience more severe outcomes if they contract COVID-19.
CDC Expands List of Those with Higher COVID-19 Risks: What to Know

CDC Expands List of Those with Higher COVID-19 Risks

14 annotations

www.healthline.com

4617

“There is going to be massive store closures and huge bankruptcies in the future,” said Storch. “It's going to lead to massive consolidation, because the big guys are going to get bigger and eat up all the share, and the little guys are going totally out of business.”
“Department stores are dying… When we look at the October [retail sales] number, these are dying segments,” said Storch. “Don't think for a second that anybody needs a department store in this world. They disappeared a long time ago in most countries, and that's what's going to happen [in the U.S.].”
“The winners are going to win big,” former Toys R Us CEO Jerry Storch recently told Yahoo Finance Live. “You're going to have all the share in the hands of Walmart, Target, Dollar General…. At the end of the day, bricks and mortar will be smaller, and e-commerce will be bigger.”
While the pandemic has shuttered small businesses and left many on the brink of bankruptcy, it has also proven to be a boon for retail giants. Amazon (AMZN) topped Wall Street estimates in the third quarter with revenue jumping 37%. Target’s (TGT) digital comparable sales grew 155%, while Walmart’s (WMT) U.S. e-commerce sales soared 79%. Home Depot and Lowe’s have also seen a boost in sales as consumers adjust their purchasing habits and spend more money on home improvement projects.
In a letter to Biden earlier this month, New York state Senator Michael Gianaris pushed for rent forgiveness, writing “We need robust and targeted residential and commercial rent relief, ideally in the form of rent cancellation and forgiveness. Access to no/low interest loans would also be a great help, so that people can remain in their homes and maintain their places of business until they can get back on their feet.”
“We're at the epicenter of the crisis,” said McGee. “While the CARES Act was good for staff, the government needs to do a whole lot more. I wish they would have done it yesterday and certainly would like them to act now. There's so much pressure, particularly on small businesses, which are 70% of the tenants in shopping centers around the country. “
“I fear if we continue to have the coronavirus cases we're having right now, and that we experience some type of additional lockdown, we will have a lot of empty storefronts across our country,” Tom McGee, International Council of Shopping Centers CEO, told Yahoo Finance Live, adding that the situation is about to go from bad to worse. “I think it's critical for the government to act.”
The latest surge in coronavirus cases, coupled with the government’s failure to pass another stimulus package, is exacerbating the stress and anxiety felt by hundreds of thousands of retailers nationwide.

Coronavirus surge and no stimulus will result in ‘empty storefronts’ nationwide

8 annotations

Evolution may be to blame for high risk of advanced cancers in humans: Most people no longer produce Siglec-12 protein, but some of those who do are at twice the risk for advanced cancer -- ScienceDaily

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"These results suggest that the minority of individuals who can still make the protein are at much greater risk of having an advanced cancer," Nissi Varki said. The researchers also validated their findings in mice by introducing tumor cells engineered to produce Siglec-12. The resulting cancers grew much faster, and turned on many biological pathways known to be involved in advanced cancers, compared to control tumor cells without functioning Siglec-12.
Normally, genes that encode such dysfunctional proteins are eliminated by the body over time, and approximately two-thirds of the global human population has stopped producing the Siglec-12 protein. Where the gene still hangs around in humans, it was long thought be of no functional relevance, and there have been very few follow-up studies over the two decades since it was discovered. Meanwhile, chimpanzees still produce functioning Siglec-12. advertisement googletag.cmd.push(function() { deployads.push(function() { deployads.gpt.display("adslot-mobile-middle-rectangle") }); });
"At some point during human evolution, the SIGLEC12 gene -- and more specifically, the Siglec-12 protein it produces as part of the immune system -- suffered a mutation that eliminated its ability to distinguish between 'self' and invading microbes, so the body needed to get rid of it," said senior author Ajit Varki, MD, Distinguished Professor at UC San Diego School of Medicine and Moores Cancer Center. "But it's not completely gone from the population -- it appears that this dysfunctional form of the Siglec-12 protein went rogue and has now become a liability for the minority of people who still produce it."
Compared to chimpanzees, our closest evolutionary cousins, humans are particularly prone to developing advanced carcinomas -- the type of tumors that include prostate, breast, lung and colorectal cancers -- even in the absence of known risk factors, such as genetic predisposition or tobacco use. A recent study helps explain why.

4 annotations

www.sciencedaily.com

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“Many international investors come from countries with very different experiences of democracy, regime change, and the stability of the nation state from that of the United States,” Donovan said. “It is perhaps inevitable that such investors will view events in the US through the prism of their own experiences, and this may increase the risk that they see in U.S. assets.”
“There are media reports that the 25th Amendment of the Constitution may be invoked, or that fresh impeachment proceedings could be launched against US President Trump,” UBS economist Paul Donovan said in a note Thursday. “This would probably not impact policy, but markets might care about impeachment (as conviction could bar US President Trump from future office).”
After the violent pro-Trump protests at the U.S. Capitol on Wednesday, a growing number of Republican lawmakers have reportedly considered taking draconian measures to remove Trump from office, with fewer than 14 days left of his term. Representative Ilhan Omar, a Democrat from Minnesota, said she was drawing up Articles of Impeachment in the House of Representatives.
New weekly unemployment claims came in at 787,000 for the week ended January 2, the Labor Department reported Thursday morning, topping estimates for an increase to 800,000. The prior week’s level was revised up by 3,000 to 790,000. New jobless claims had topped 800,000 for three of the four full weeks of December.
“Our U.S. economists have indicated that a Democratic Senate would likely lead to another large fiscal stimulus package, possibly including some priorities of the new administration such as infrastructure,” Deutsche Bank economists said in a note Wednesday. “They see that as a material upside to their GDP forecast, which they currently see rising 4.3% Q4/Q4 in 2021.”
“The market is more focused on, what are the policies of the next two years with the Congress that was voted in with the final election last night? What are the policies over the next four years?” Mills added. “They’re looking at COVID, they see vaccines being distributed. They are looking at a reopening.”
“When I look at the market reaction here … there is a recognition here that there is a certain inevitability in terms of what happens on January 20,” Raymond James analyst Ed Mills told Yahoo Finance on Wednesday. “It’s not as if there’s a situation based upon any protest that keeps Donald Trump as president at this point.”
President-elect Joe Biden called the event an “insurrection” in remarks to the nation. Trump later told the protesters to “go home,” but reiterated baseless claims that the “election was stolen from us,” in a video address now removed by Twitter, Facebook and YouTube. Business leaders including JPMorgan Chase CEO Jamie Dimon and Blackstone CEO Stephen Schwarzman, who has long backed Trump, condemned the violence.
U.S. stocks gained Thursday morning as traders shook off Wednesday’s unrest in Washington and looked ahead to the policy implications of the incoming presidential administration and Congress.

Stock market news live updates: Stocks rise after Congress certifies Biden victory after unrest, jobless claims improve

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“This is the time where we have the opportunity to be better people,” t
“I believe health care is a basic human righ
“We are gonna begin an effort to cover 100 percent of our individuals in our black and African-American communities,” the governor said. “We’re gonna be putting dollars behind it.
Beshear says state will put resources into making sure all black residents have health insuranc

Beshear says state will put resources into making sure all black residents have health insurance

4 annotations

www.wave3.com

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Americans are on the hook for more than $1.7 trillion in student loan debt, according to the Federal Reserve. Even though payments were paused in 2020 — at least for federal loans — the government decided that delaying the problem wasn’t enough.The CARES Act allowed employers to voluntarily pay up to $5,250 of a worker’s college loan during 2020. Both employers and employees were able to avoid federal payroll taxes on the money, and the employees won’t have to pay federal income tax on the amount when they file their taxes next year.
The saver’s credit helps low- and medium-income taxpayers save for retirement by providing a tidy tax credit when you contribute to retirement accounts including 401(k)s and IRAs.Yet many Americans don’t even know about it. According to a survey from the Transamerica Center for Retirement Studies, only 38% of U.S. workers were aware of the tax break.So, what’s new with the saver’s credit? As in previous years, the IRS increased the income limit for 2020, making the tax credit available to even more people. The new limits are:Married filing jointly: $65,000, up $1,000.Head of household: $48,750, up $750.All other tax-filing statuses: $32,500, up $500.
Health obviously became a front-and-center issue for Americans in 2020. With a health savings account, you can avoid income taxes on your contributions today and on the money you withdraw for your medical needs in the future — pretty slick.You can contribute to a tax-free HSA so long as your health insurance is considered a high-deductible plan.But there are rules on how much money you can save in your HSA every year.For 2020, those limits have gone up by $50, to $3,550, for self-only coverage; and by $100, to $7,100, for family coverage.
When you pay taxes, you can either take the standard deduction to reduce your tax bill or itemize your deductions if they’ll add up to more savings than the standard deduction.According to various estimates, as many as 90% of U.S. taxpayers use the standard deduction.Like income brackets, standard deductions rise each year to adjust for inflation.For the 2020 tax year, these are the standard deduction amounts:Single: $12,400, up $200.Married filing jointly: $24,800, up $400.Married filing separately: $12,400, up $200.Head of household: $18,650, up $300.
First, the good news: Tax rates haven’t gone up for the 2020 tax year.But income tax brackets typically rise every year due to inflation. The brackets have been raised slightly, so you could find yourself paying more taxes next year even if your income didn’t change.Here are the new brackets for those filing as a single person, under the U.S.’ progressive, or graduated, tax system:The first $9,875 of income (or less) is taxed at 10%.Income amounts greater than $9,875 but not more than $40,125 are taxed at 12%.Income amounts greater than $40,125 but not more than $85,525 are taxed at 22%.Income amounts greater than $85,525 but not more than $163,300 are taxed at 24%.Income amounts greater than $163,300 but not more than $207,350 are taxed at 32%.Income amounts greater than $207,350 but not more than $518,400 are taxed at 35%.Any income over $518,400 is taxed at 37%.
Once your reach age 72, the IRS says you must start withdrawing money annually from tax-advantaged retirement accounts, including traditional IRAs and 401(k)s. These required minimum distributions, or RMDs, count as fully taxable income; the withdrawals help ensure that people don’t use retirement accounts to avoid taxes.
As Americans have endured the coronavirus health and economic crisis, the CARES Act has provided an incentive to help those in greater need.The law makes it easier to get a tax break for charitable donations made during 2020.
Taxes are a fact of life, and so are annual changes in how you file and calculate your federal income tax. But the coronavirus pandemic will mean even more than the usual yearly differences when you sit down to do your taxes for 2020 during the new year.

These are the 7 biggest tax changes for 2021

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4130

On its website, the CDC notes that of about 275,000 full-genome sequences in public databases, 51,000 are from the United States, and 125,000 are from the UK. This difference is especially striking considering how many more infections have been confirmed in the US -- over 18 million - compared with over 2.1 million in the UK.
"Given the small fraction of US infections that have been sequenced, the variant could already be in the United States without having been detected," the CDC said. To detect new mutations of a virus, samples are gathered from infected patients and then undergo genetic sequencing, looking at the order of the letters in its genetic code for anything new. In the US, only a relatively small number of samples go through this process.
Health officials agree. "You really need to assume that it's here already, and certainly is not the dominant strain, but I would not be surprised at all if it is already here," Dr. Anthony Fauci, the director of the National Institute of Allergy and Infectious Diseases, said Tuesday. "It could be in the United States, and we might not have yet detected it," Assistant Secretary for Health Admiral Brett Giroir said Monday.
"If I had to guess, I would say it's probably in hundreds of people by now," said Michael Worobey, head of the department of ecology and evolutionary biology at the University of Arizona. "It's very possible it's arrived multiple times in multiple places." <img alt="UK experts are &#39;highly confident&#39; that a new coronavirus variant is more contagious. Here&#39;s what that means" class="media__image" src="//cdn.cnn.com/cnnnext/dam/assets/201221092343-01-covid-19-variant-disruption-europe-1220-restricted-large-169.jpg">UK experts are 'highly confident' that a new coronavirus variant is more contagious. Here's what that means"Imagine the amount of infected travelers leaving London -- that's been increasing exponentially," said Trevor Bedford, associate professor in the vaccine and infectious disease division of the Fred Hutchinson Cancer Research Center.
Researchers studying the new UK strain of the coronavirus think it likely arrived in the US in mid-November, and that many people in the United States could already be infected.

Researchers think 'hundreds' of people in US could have UK coronavirus strain - CNN

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Dr. Georges Benjamin, executive director of the American Public Health Association, is more optimistic with the rollout, saying so far, it has gone "reasonably well." He does hope the incoming Biden administration is thinking about how to get accurate numbers to states to set expectations for Americans about when life can return to normal.Get CNN Health's weekly newsletter Sign up here to get The Results Are In with Dr. Sanjay Gupta every Tuesday from the CNN Health team."It is not in our interest to have these multiple estimates as to when it gets to the rest of the population because I don't think you can do good planning that way," Benjamin told CNN. "I hope the new administration is sitting down and thinking about the messaging, so people don't get their hopes up to get vaccinated."
Mississippi Health Officer Dr. Thomas Dobbs explained during a Tuesday press conference that it was not the state's job to make sure vaccines actually went into people's arms once it was allocated to long-term care facilities."They haven't started vaccinating," Dobbs said referring to long term care facilities, "but we have released the allocation sufficient for them to get started so they're in the process of getting that set up. And you know, that's something that's out of our control. But you know, within the next couple of weeks they'll get that rolling."
In Michigan, the state's Covid-19 vaccine dashboard December 28 shows only 37,660 doses of the vaccine have been administered out of the 231,075 doses sent to the state. Sutfin said the delay in shipments and lag in data updates explains the discrepancy."While Michigan received over 84,000 doses last week, they were not all received the same day. Vaccine is being delivered daily to hospitals and local health departments across the state. As they understand more about operations and clinic flow, we expect the time from receipt to administration to decrease" Sutfin told CNN. <img alt="Covid-19 vaccine is a source of hope for health care workers. But it comes too late for hundreds of them" class="media__image" src="//cdn.cnn.com/cnnnext/dam/assets/201217200918-sandra-lindsay-covid-19-vaccine-large-169.jpg">Covid-19 vaccine is a source of hope for health care workers. But it comes too late for hundreds of themSutfin also outlined that the process for unpacking, inventorying, thawing, and coordinating each dose of vaccine "takes some time, so it is expected that at any point in time there will be a difference between vaccine received and doses administered."
"To date, we still have not started vaccine distribution in Dayton," Whaley said Tuesday, adding that Christmas Eve will be the first day someone from Dayton receives the vaccine."We aren't a big city that gets these assets quickly. We have talked about this, how testing was very slow in communities like Dayton and across the country, and I'm concerned that vaccine distribution will be slow as well," she added.
"These doses are being distributed at states' direction to the American people as quickly as they are available and releasable, and the rapid availability and distribution of so many doses -- with 20 million doses expected to be allocated for distribution just 18 days after the first vaccine was granted emergency use authorization -- is a testament to the success of Operation Warp Speed," Pratt said in a statement to CNN.
CDC distribution data has just started to include the Moderna vaccine, which was rolling out to more than 3,500 locations. While the CDC plans to update the data regularly, daily updates are not slated to begin until 2021.Some states, like Michigan, are reporting their own data, but that state-level reporting lags, too.
"It does seem like getting to 20 million by the beginning of the year is ambitious," Dr. Marcus Plescia, chief medical officer for the Association of State and Territorial Health Officials, said. Still, "people seem to be really very encouraged about how the vaccinations are going," Plescia added. "Everybody seems to feel like they are using the supply that they have."
"We do still feel strongly that we will have allocated to the states by the end of the year 20 million doses of vaccine that'll be available," Gen. Gustave Perna, Operation Warp Speed's chief operating officer said during the call December 21. "We feel confident that we will be distributing the end part of that vaccine no later than the first week in January for everybody to have access to."
One early hurdle: A two-day US Food and Drug Administration requirement to assess each shipment of vaccine for quality control slowed down distribution. States were told by OWS to expect fewer doses for week two than originally planned. With the 20 million number seeming further from reach, OWS officials acknowledged last Monday they may not get there until January.
One count, from the US Centers for Disease Control and Prevention, shows about 11.4 million doses have been distributed as of Monday morning and about 2.1 million have been administered -- not even close to the goal Warp Speed originally set.
While the coronavirus pandemic continued to surge throughout the summer and fall, federal government officials repeatedly offered a ray of hope: enough vaccine doses to vaccinate 20 million Americans by the end of December

Covid vaccine: US officials promised 20 million vaccinated by 2020. It's going slower than that - CNN

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“I think that the zero interest rate phenomenon that we find ourselves in is covering over a lot of problems for the market. We do have the issue that there is no alternative,” Courtney added. “And when you have really no effective alternative to stocks, I think you are going to see that markets will shrug off bad news and use the good news to justify the current valuations. I think some level of that is justified when there truly is no alternative, no other place to go get a real return in liquid markets.”Meager treasury yields have also pushed investors into other risk assets, and Bitcoin (BTC-USD) prices on Wednesday surged to a fresh record high of more than $28,000, just two weeks after breaching the $20,000 level for the first time ever.
“But moving into next year, it’s going to be how these things play out. Will the vaccine be distributed efficiently, effectively? Will consumer confidence rise to the point where we could get some of this deferred consumption in 2021, which is what the market wants to see? And will consumers be healthy enough, will these stimulus checks ... keep them above water long enough to have some kind of return to normalcy? The market seems to be priced for these things to work out relatively well.”
“In the last couple quarters, the market probably got most of what it wanted to see,” Tim Courtney, chief investment officer for Exencial Wealth Advisors, told Yahoo Finance. “It got the vaccines with the high efficacy rates, it got very, very low interest rates, and so far low inflation moving into 2021. It’s got what looks like a divided Congress, although that’s still up in the air.”
Stocks are set to close out the year with strong returns, even given the lingering economic strain induced by the coronavirus pandemic. U.S. economic output remains below pre-virus levels even after a record third-quarter surge, and the labor market is still 9.8 million jobs short of its total before the pandemic hit in March. On Thursday, the Labor Department’s final weekly unemployment claims report for 2020 is expected to show another more than 800,000 Americans filed for first-time jobless claims, for a sum about four times the pre-pandemic weekly average.
Stock futures opened flat to slightly higher Wednesday evening ahead of the final session of the year.

Stock market news live updates: Stock futures tick up ahead of final session of 2020

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But this can be addressed by creating a database that does not include any personal information (such as an officer's address) and developing a system that prevents frivolous complaints from muddying the database
Of course, police unions will surely howl at any such requirement: They will complain about loss of privacy and point to the potential for abuse.
A broad, national mechanism for disclosure is necessary to make this project meaningful, both because police brutality occurs nationwide and because disgraced officers often shuffle between jurisdictions.
A database would also be a tremendous boon for both prosecutors and defense attorneys.
There are many reasons to make these disclosures public. Most obviously, it would allow the public to access important information which could reveal patterns of department-wide failures.
And even though the Minneapolis Police Department disclosed this information, it did not provide any additional details regarding the nature of those complaints. E
. A central feature of the system is a disclosure website, which makes it easy for members of the public to search for their brokers or run a background check on prospective ones. This is the perfect model for a national police disclosure scheme.
The new system made the track records of these securities brokers accessible to all. Why not do the same for every law enforcement officer in the United States?
Fortunately, a good model exists: the strikingly transparent national database on the people who handle our financial investments
. The order lays the foundation for a national database to track the use of excessive force, but only calls for police officers to be included when they are terminated, de-certified, convicted of a crime, or found liable in civil court.
How a finance database could help improve policing

How a finance database could help improve policing (opinion) - CNN

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, trust me when I say that the right shifts to your mental routines will eventually have an impact.
the wealthy avoid making financial decisions when they're emotionally charged
"If you cannot control your emotions, you cannot control your money." --Warren Buffett
Spend at least an hour each day learning something random outside your job description.
Whether it's avoiding binge-shopping online or staying invested in your 401(k), realize that harnessing your emotions will reap big returns
on a busy day, most of us are guilty of jumping right into our emails, instead of prioritizing and figuring out which tasks will most grow our business or career.
Richard Branson used a specific decision-making tool, known as a decision stream,

Elle Kaplan: 7 mental hacks will make you wealthy and successful

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business and industrial

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Again, the price action will be more important to me than the news and the politics. Remember the words of Warren Buffett: “If you mix your politics with your investment decisions, you’re making a big mistake.”
The virus outbreak led to a globally coordinated stimulus effort on steroids. Whether we agree with it is not the issue. Our job isn’t to argue with Fed policy, it’s to take advantage of it. They say “Don’t fight the Fed” — well good luck fighting all the global central banks.
The second instance came via the “Three Day Thrust” signal, an event where the S&P 500 gains at least +1.5% on three consecutive days. This occurred in early November 2020. The other nine times this happened since 1970 all led to strong gains with the index up +14% on average six months later and 22% on average a year later. Bottom line, one of the biggest mistakes investors made in 2020 was getting brainwashed by the negative news and ignoring the incredibly strong price action in late March and early April. After a six month pause, this extreme strength resumed in early October and November. Institutional buying of this magnitude usually leads to higher prices one year later.
After the market recovered for approximately six months, two interesting “price thrust” events happened that could potentially give us a preview of what to expect in 2021. In early October 2020, we had a “Breadth Thrust Indicator.” This is a technical momentum indicator developed by the great Marty Zweig. Without boring you too much, it’s basically a rare event where the S&P 500 rapidly moves from an oversold condition to one of extreme strength. Thirty-two of the last 33 times this occurred, the index was higher one year later by an average of 16%.
Many people forget that the big institutions control the market and that the market is a discounting mechanism. In other words, the price action was firming up in late March and early April in anticipation of the economy rebounding later in the year.
When you ask market participants what are some of the biggest lessons you learned in 2020, you will hear two common themes: Don’t fight the Fed and follow price action. These are important because they will continue to apply in 2021. Let’s start with price.

2021 markets preview: 2 rare events are a sign of what's to come

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As part of the accord with the SEC, Robinhood agreed to have an outside consultant monitor its compliance by ensuring it follows rules requiring firms to provide best execution for trades. Robinhood, which didn’t admit or deny the regulator’s claims, said at the time it is now fully transparent in its communications with customers about how it makes money.
“The principal trading firms/electronic market makers in turn passed these costs along to Robinhood’s clients on each trade through inferior execution quality -- the price at which the requested market orders were executed,” according to the complaint.
While Robinhood touted “commission free” trading on its platform, it didn’t disclose that it relied extensively on “payment for order flow,” collecting payment from market makers in exchange for executing trades, according to the suit.
Robinhood Financial LLC was sued in a proposed class action for allegedly failing to inform clients it was selling their stock orders to trading firms and effectively charging back-door commission fees.

Robinhood Financial Hit With Class-Action Suit for Selling Stock Orders

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這種對「領袖」的認同儀式，最終也是為了自我認同，「到此一遊」的方式最終是不是幻象？
大批支持者自拍與她合照。攝：Barbara Kinney/Hillary Clinton campaign

從希拉莉的自拍群像說起：是影像的民主還是迷失？ | 端傳媒 Initium Media

2 annotations

theinitium.com

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battle between gangs at a prison in the Brazilian state of Amazonas left 56 inmates dead.
Barack Obama expelled 35 Russian diplomats and imposed new economic sanctions
Relations between Israel and America became strained
a Brazilian construction company, and Braskem, a petrochemical firm in which it owns a stake, pleaded guilty to bribing officials and political parties to win contracts in Latin American and African countries
The S&P 500 rose by 10% over the 12 months and the Dow Jones by 13%
Russia’s RTS index soared after the election of Mr Trump to finish 52% higher;
China’s Shanghai Composite never fully recovered from its turbulent start to 2016,
Deutsche Bank agreed to pay $7.2bn to settle with America’s Department of Justice for mis-selling subprime mortgage securities,
Ford made a U-turn when it scrapped plans for a new factory in Mexico
Japan’s prime minister, Shinzo Abe, paid his first visit to the American naval base at Pearl Harbour.

The world this week | The Economist

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Uber hired a former engineer at NASA, Mark Moore, to help develop its flying-taxi division,
China’s reserves of foreign exchange dropped to under $3trn in January, the lowest level in nearly six years.
Market jitters about the future of the euro zone helped push the spread on yields of French, Greek and Italian bonds over that of German bunds to recent highs.
A federal court blocked the $48bn merger of Anthem and Cigna, two giant health insurers, on antitrust grounds.
BP said it needed the price of a barrel of oil to rise to $60 by the end of the year in order for it to break even (Brent crude has not traded at $60 since mid-2015). The oil company reported a headline loss of almost $1bn for last year
In any case, the arrival of Uber in a city can have a more profound effect than just making everyday life easier or increasing productivity, as people spend less time searching for a ride.
recent paper by Carl Benedikt Frey of Oxford University found that when Uber sets up shop in an American town, taxi drivers’ earnings fall by 10%,
the number of self-employed drivers rose by an estimated 50%.

Business this week | The Economist

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1605

Make sure you don’t have too much invested in big technology stocks
Gold is another potential hedge that gives you a sound store of value just in case.
Picking specific sectors to invest in is very tough right now.
Look instead for stocks with more attractive price-to-earnings ratios.
I disagree with those who say now is a good time to rotate out of the U.S. and into overseas markets. I say, not just yet.

The Best Move You Can Make with Your Investments in 2019 | Money

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advertising and marketing

time.com

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They’ve shifted focus to acquiring the brands and technology China needs to transition to an economy driven by domestic consumption more than exports, labeled here as the new economy.
Before 2013, China’s overseas dealmaking was dominated by state-owned companies
Now private entrepreneurs are snapping up marquee assets like Italian football teams, American film studios and French fashion houses
how China’s targets have changed, let’s look at annual deal volumes by industry.
Can China keep buying at this speed?
The short answer: yes

China’s Global M&A Spree Shifts to Technology, Fashion and Sports

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sports

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“Despite these reservations nothing has fundamentally changed that supports higher cyber currency prices in the future as well as ongoing attempts on the part of central bankers and governments to capture and control this new form of currency,” he said.
“There was a tremendous amount of supply from the latter, and that makes the move today even more impressive as we doubt the demand would have been there even three to six months ago to satisfy the supply,” he said.
“Given the sheer distance bitcoin has to travel (from being totally obscure in the beginning, to being one half of every trade in the future global economy), it is probably more accurate to think of BTC as an investment in a unicorn-style winner-take-all tech-company,” he said.Still, a higher price per unit translates into not only additional attention to the asset but more throughput in U.S. dollars and a larger security budget protect itself against adversaries, he said.
“In my opinion this is just the start for this cycle, which is going to be dominated by larger and more established institutional investors adding allocations to BTC. The real tipping point is if pensions, endowments and sovereign wealth funds start to get in the game. Whether that is this time around or next cycle remains to be seen,” he said.
“Like gold, it is worth what someone else is willing to pay for it, and that is impacted by overall market sentiment, inflation expectations and technological trends. Unlike gold, though, bitcoin’s supply is not at all impacted by its price, which is one of the reasons it will always be more volatile: There will never be an increase of new supply to meet increased demand,” she said.
“One of the most fascinating things about bitcoin is that it doesn’t conform to standard valuation techniques. There’s no cash flow to discount and no physical assets that back it up,” she said.
Bitcoin’s supply schedule mimics gold, making it a “complete contrast to central bankers who can create money out of thin air,” Thornton said. “As such, bitcoin has performed very well over the past several years as central banks seem to be hell-bent on destroying the value of their currencies. This would, of course, include the Federal Reserve, the European Central Bank and the Bank of Japan especially. They along with many other central banks have reduced their policy rates to near zero, or even negative rates,” Thornton said.
The issuance of Bitcoin decreases every four years in an event called a “halving.” These technical events decrease the supply of BTC created every 10 minutes by the network until no more BTC will be mined sometime in 2140.
“Friedman famously argued for a k-percent rule (growing the money supply by a set, pre-announced % every year, regardless of what happens in the country) and for having monetary policy set by a computer (where it could not be corrupted by humans),” Paul Sztorc, former statistician at the Yale Economics Department and creator of BitcoinHivemind.com, told CoinDesk in a Telegram message.“By the 2000s Friedman believed that the U.S. should just adopt a ‘fixed supply’ of base money, and declare that they would never change it. Bitcoin instantiates all of these principles.”
“I don’t believe we shall ever have a good money again before we take the thing out of the hands of government,” Hayek said in a 1984 interview. “That is, we can’t take them violently out of the hands of government. All we can do is by some sly roundabout way introduce something that they can’t stop.”
Arguably, Menger’s greatest contribution to Austrian economics was the development of the subjective theory of value, a component of the study of human action known as praxeology. Menger argued the value of any good is derived from humans themselves; that is to say, no good or service holds intrinsic value.
Bitcoin has storied academic roots, regardless of its reputation for use in illicit markets. Two prominent economic schools of thought, the Austrian school and the Chicago school, are often cited by Bitcoiners as accomplices in the task to free money from government printers.
In a similar manner Nakamoto wrote that Bitcoin miners expend “CPU time and electricity” to mimic gold miners smacking away at the Earth’s crust. In return, they receive a portion of bitcoin from the network itself while sending transactions on behalf of Bitcoin users.
The system is also designed to prevent government agencies – or anyone else – from affecting the Bitcoin network’s monetary supply. “Bitcoin was designed to oppose the existing fiat paper money and central banking regime that has reigned now for a century over the global economy,” Mark Thornton, senior fellow at the libertarian-leaning Ludwig von Mises Institute, told CoinDesk in an email.
Bitcoin’s groundwork is laid out in the 2008 white paper published by its pseudonymous founder, Satoshi Nakamoto. In the paper, Nakamoto describes their original intentions for the new money protocol, labeling Bitcoin as a proof-of-concept technology functioning as “a purely peer-to-peer version of electronic cash.”
Bitcoin’s price continues to climb, a consistent flow of BTC is leaving exchanges and bitcoin “whale” sightings are becoming more frequent. But beyond the market frenzy, how does it all work?

Over $20K? Why Is Bitcoin Worth Anything at All?

16 annotations

4410

蘋果執行長庫克將親自來台力挺，除見證台積電在全球半導體締造重大成就，也象徵雙方合作關係緊密
「半導體：下一個十年」高峰論壇
台積電去年營收和獲利創歷史新高，上半年雖面臨客戶庫存調整，營收連兩季下滑，但台積電對今年營收成長5%到10%仍具信心，外資也看好台積電前景，今年以來持續加碼，持股一度突破8成，台積電股價也創下218.5元歷史天價，市值站上5.67兆元，創單一上市公司新紀錄

遠見雜誌 - 前進的動力：台積電30周年慶庫克將來台相挺

3 annotations

www.gvm.com.tw

5298

「靈活性」
實際的比賽提供了令人激動的90分鐘和更多的內容，但同時皇家馬德里也相信，其他的內容也同樣有趣——比如訓練和幕後觀察。
社交媒體
皇家馬德里
歐洲超級杯
在場外，足球俱樂部還要與其他消閒活動和興趣愛好競爭，在全球範圍內吸引潛在粉絲的注意力——以及讓他們花錢。
「媒體機構」
「除了是一個體育機構之外，皇家馬德里也是一個媒體機構——它提供的不僅僅是體育運動，還有娛樂的素材。它還是一個巨大的社交平台。」
而皇馬俱樂部將由此獲得智能信息，以及與球迷喜好和選擇有關的數據。這令俱樂部能夠量身訂做其商業服務和向支持者提供相應內容
「未來營收」
「我們想要建立、保持聯結，並且從中賺錢。」
這些渠道分成第一方平台（比如完全由皇馬擁有的應用程序）、第二方平台（有俱樂部隊徽但是由其他公司運營）和第三方平台（比如社交媒體）。
「可能還有更多」

不只是足球：皇家馬德里的互聯網全球戰略 - BBC 中文网

13 annotations

www.bbc.com

5192

DoorDash has a flashing “buyer beware” line for excited investors right there in its S-1 risk factors section, phrasing that has become standard from hyped tech unicorns in the last few years: “We have a history of net losses, we anticipate increasing expenses in the future, and we may not be able to maintain or increase profitability in the future.”
Even if DoorDash gets big enough to buy up competitors, Trainer reasons, “How hard is it for another one to start up? If there were some advantage to scale here, then maybe you could make a case for consolidation. But in a world where another food delivery startup could start tomorrow, there are no advantages to scale... I think the history books are going to look back and make a case study out of this: a hyped market, a business that couldn't make money in the best possible lockdown environment, not going to make money in the future, yet selling for double its original IPO price.”
The food delivery space has low barriers to entry and is crowded with big names. As a result, there’s been big consolidation: GrubHub (GRUB) merged with Seamless in 2013; Uber (UBER) launched Uber Eats in 2014 and acquired Postmates this year; DoorDash itself acquired Square-owned Caviar in 2019; Instacart, more known for grocery delivery than meals, launched in 2012 and last month reportedly hired Goldman Sachs to run a $30 billion IPO.
“What $200 per share implies the company will do in the future is improve their margins to 8%, compared to negative 12% now,” Trainer says. “So they're going to go from a negative 12% to a positive 8% margin, while also growing revenue at 40% compounded annually for over a decade. That's super high growth and a huge improvement in margins, two things which almost never happen simultaneously.”
“Is it a coincidence,” Trainer wrote in a note last week, “that DoorDash filed for its IPO so soon after COVID-19 vaccines were announced? We think DoorDash’s current investors and bankers recognize that the window of opportunity to IPO this terrible business closes quickly when the threat of COVID-driven lockdowns no longer drives growth in food delivery demand.”
“They do not have a way to make money long-term,” Trainer said on Yahoo Finance Live just after DoorDash began trading on Wednesday. “There's a lot of competition. And we're seeing their market share decline. At the end of the day, this business is a race to a zero-margin business, because there's really no differentiation... This is Silicon Valley selling public markets an asset at a huge premium, and they're going to laugh all the way to the bank, and I think a lot of individual investors rushing into this are going to lose a lot of money.”
David Trainer, CEO of market research firm New Constructs, calls it “the most ridiculous IPO of 2020.” Last year, his firm gave that title to the WeWork IPO, which was ultimately shelved.
Food delivery app DoorDash (DASH) hit the public market on Wednesday, and closed the day up 86% from its IPO price of $102. That means a market cap of $72 billion for a seven-year-old startup that lost $667 million in 2019, and lost $149 million in the first nine months of 2020.

DoorDash IPO is 'most ridiculous of 2020' and 'holds no value': Analyst

8 annotations

4407

“You have to decide how you’re going to show up in life,” she told CNBC.“I’ve used some of my differences as a way to stand out and to hopefully count and matter — and hopefully create an opportunity for others.”
Recently, Hobson and the Hobson/Lucas Family Foundation made a major gift to her alma mater, Princeton University, to establish a new residential college on campus. Hobson College is the first to be named for a Black woman at Princeton.“My hope is that my name will remind future generations of students — especially those who are Black and brown and the ‘firsts’ in their families — that they too belong,” Hobson said in the university’s news release.
“There are real opportunities, in our own backyards, to effect lasting and meaningful change that will ultimately put people on the path to being more financially literate and therefore more financially secure, which has tremendous implications for our society,” Hobson said.
She believes schools should be educating kids about money, including investing. Currently, only 21 states require high school students to take a course in personal finance and 25 require high school students to take an economics course, according to the Council for Economic Education.
“We’re behind the eight ball,” Hobson told CNBC last December. “Having a financially illiterate society is dangerous, and we have to do something about that.”
Her mother encouraged Hobson to strive for greatness, telling her she could be or do anything.“She was also extremely pragmatic and direct about the challenges I would face as a Black girl.”
“I had a childhood where we grew up with a lot of financial insecurity,” she said. “We would get evicted, our phone would get disconnected, our lights disconnected.”
“It is no accident I am in the investment management business because as a child I was desperate to understand money,” Hobson said at the CFP Board’s Center for Financial Planning’s 2020 Diversity Summit, held virtually in November.
Mellody Hobson, named Starbucks’ new board chair on Wednesday, knows what it is like to grow up without money.

Mellody Hobson, new chair of Starbucks board, touts financial literacy

9 annotations

4384

The number of Americans joining longer-term federal unemployment programs decreased slightly, according to the latest data. Individuals in the Pandemic Emergency Unemployment Compensation program, which offers individuals an additional 13 weeks worth of benefits after they use up their allotted six months of continuing benefits, fell by about 36,000, according to Thursday’s report. The number of Americans collecting benefits via the Pandemic Unemployment Assistance program, which offers benefits to gig and self-employed workers who do not qualify for regular state programs, declined by more than 300,000 to 8.56 million. And overall, about 19 million Americans were claiming unemployment benefits of some form, for a decrease of about 1 million from the previous week.
“Filings reversed course last week and surged to the highest level since September,” Rubeela Farooqi, chief U.S. economist for High Frequency Economics, said in an email Thursday. “The prior week’s data were likely distorted by seasonal adjustment issues around the Thanksgiving holiday while the latest data are probably better capturing a deteriorating trend. A health crisis that is likely to worsen after the upcoming holiday is a warning signal for the labor market. Widening virus containment measures are likely to restrict activity more widely and the hit to incomes from related job losses will be compounded by expiring government support measures.”
Jobless claims rose more than anticipated after a brief dip during the previous week. Many economists chalked up the end of November’s greater-than-anticipated improvement in new weekly jobless claims to a technical quirk with adjusting for the Thanksgiving holiday, rather than the start of a sustained trend lower in new claims. In the first five days of December alone, new COVID-19 cases totaled 1 million in the U.S., and additional restrictions across numerous states came into play.
Initial jobless claims, week ended Dec. 5: 853,000 vs. 725,000 expected and a revised 716,000 during the prior weekContinuing claims, week ended Nov. 28: 5.757 million vs. 5.210 million expected and a revised 5.527 million during the prior week
Many more Americans filed new unemployment claims last week than during the previous week, as a resurgence in COVID-19 cases heading into the winter led to more business-constraining social distancing restrictions and pushed more people out of work.

Jobless claims: Another 853,000 Americans filed new unemployment claims last week

5 annotations

3718

"One question that will come up is how fast will we see a vaccine authorized after that," FDA's Marks told the AMA."It will depend on the discussion at the advisory committee but we are hoping that within about a week afterwards we will see an authorization if everything goes well for each of those," Marks said.
"The NVAC warns against issuing an Emergency Use Authorization (EUA) for COVID-19 vaccines in children, considering that children typically experience generally mild disease, except for multisystem inflammatory syndrome in children (MIS-C), a rare but serious condition that causes inflammation and various symptoms such as abdominal pain, vomiting, diarrhea, neck pain, rash, tiredness, and bloodshot eyes," the group said last week.
Stanford University's Dr. Steven Goodman will talk about what it means for clinical trials going forward if a vaccine is approved. He'll address the question of asking people to forgo getting a vaccine known to be protective in order to test an unproven one.<img alt="Health care workers and long-term care facility residents should get Covid-19 vaccine first, CDC vaccine advisers say" class="media__image" src="//cdn.cnn.com/cnnnext/dam/assets/201119175637-03-pfizer-vaccine-vials-large-169.jpg">Health care workers and long-term care facility residents should get Covid-19 vaccine first, CDC vaccine advisers sayOther possible questions are whether to include pregnant women and children in an EUA."At this point I would say, we may not have the data we need to actually be able to advise pregnant women, and we may need additional study," Hahn said.
"Vaccine efficacy against confirmed COVID-19 occurring at least 7 days after Dose 2 was 94.6%, with 9 and 169 cases in the BNT162b2 (the vaccine's experimental name) and placebo groups respectively," the FDA review document reads.
"We are the ones that actually don't just look at the companies' tables. We actually get down and dirty and we look at the actual adverse event reports, the bad spelling errors that are made by physicians sometimes, et cetera," Marks said."They had 95% effectiveness across a wide range of individuals," he told the AMA.
"By August to October of this year it became clearer to us that the first vaccines that came through would indeed likely be granted emergency use authorization because of the incredibly pressing nature of this crisis."
"The fact that we have so many cases of Covid-19 right now, it's so unfortunate for us as a country. The only upside to it is when you are doing a clinical trial with an endpoint that's a clinical infectious disease endpoint, it's been easy to get to those endpoints because there's just so many cases," Marks added.
"We've shortened vaccine timelines here without compromising vaccine safety and efficacy," Dr. Peter Marks, the head of the FDA's Center for Biologics Evaluation and Research, which approves vaccines, told an American Medical Association
The approach had already been tried out against infectious diseases such as Zika and against cancer as well, so researchers were confident it was safe. It is also far faster than old-fashioned vaccine development techniques such as, for instance, influenza vaccines, which require samples of the actual virus which must be grown in specially chosen chicken eggs, purified and made into a vaccine -- an uncertain and slow process.
Companies, academic researchers and the federal government had been working to develop so-called platforms that could be used to quickly turn around new vaccines. The first two to the finish line, Pfizer's and Moderna's, use a plug-and-play technology involving genetic material known as messenger RNA.
The only real questions will be about whether the advisers recommend restrictions to the EUA -- perhaps leaving children off the lIst for now, for example. They'll also discuss how to conduct the post-EUA safety surveillance and whether to offer the shot to clinical trial volunteers who got placebo doses.
"Our team has done their initial analysis, and we do feel that preliminarily that the success criteria have been met," FDA Commissioner Dr. Stephen Hahn told CNN Tuesday.
There's not much suspense going into Thursday's meeting of the US Food and Drug Administration's vaccine advisers, who are discussing emergency use authorization for Pfizer and BioNTech's coronavirus vaccine.

FDA expected to authorize Pfizer/BioNTech coronavirus vaccine for emergency use following Thursday meeting - CNN

13 annotations

4265

The US Centers for Disease Control and Prevention typically advises telling a provider if you have "any severe, life-threatening allergies" before taking any vaccine.Allergies are also a consideration with other Covid-19 vaccines that have not yet been approved. During Chinese company Sinovac's Phase 2 trial, one volunteer in the high dose group had a severe allergic reaction within 48 hours of the first dose, which researchers said may be related to the vaccine. The volunteer was treated for the reaction and recovered within three days. The same volunteer did not have a similar allergic reaction to the second shot.
Vaccine expert Dr. Paul Offit told CNN that allergic reactions to vaccines were not uncommon: "Certainly, vaccines can cause severe allergic reactions. In the United States, roughly one of every 1.4 million doses of vaccines is complicated by a severe allergic reaction."He said that rather than a "blanket recommendation" for people with allergies, "the smarter thing to do would be to try and look at these two patients and see what specific component of the vaccine they were allergic to."
Peter Openshaw, professor of experimental medicine at Imperial College London, said: "As with all food and medications, there is a very small chance of an allergic reaction to any vaccine."The fact that we know so soon about these two allergic reactions and that the regulator has acted on this to issue precautionary advice shows that this monitoring system is working well."
Stephen Evans, professor of pharmacoepidemiology at the London School of Hygiene & Tropical Medicine, told the UK's Science Media Centre that the increase was only "small" but said there was "a lot of uncertainty around that estimate."He said that "some people won't know if they have hypersensitivity to some constituents of the vaccine."
"In the pivotal phase 3 clinical trial, this vaccine was generally well tolerated with no serious safety concerns reported by the independent Data Monitoring Committee. The trial has enrolled over 44,000 participants to date, over 42,000 of whom have received a second vaccination."
Pfizer said in a statement that it had been advised by the UK regulator of "two yellow card reports that may be associated with allergic reaction" due to administration of the vaccine. "As a precautionary measure, the MHRA has issued temporary guidance to the NHS while it conducts an investigation in order to fully understand each case and its causes. Pfizer and BioNTech are supporting the MHRA in the investigation," the statement said.
"We are fully investigating the two reports that have been reported to us as a matter of priority," an MHRA spokesperson said."Once all the information has been reviewed we will communicate updated advice," the spokesperson added.
"As is common with new vaccines the MHRA [Medicines and Healthcare products Regulatory Agency] have advised on a precautionary basis that people with a significant history of allergic reactions do not receive this vaccination after two people with a history of significant allergic reactions responded adversely yesterday," said Stephen Powis, the national medical director for NHS England, in a statement. "Both are recovering well."
The two staff members -- who both carried an adrenaline auto injector and had a history of allergic reactions -- developed symptoms of anaphylactoid reaction after receiving the vaccine on Tuesday. Thousands overall were vaccinated in the UK on Tuesday, NHS England told CNN on Wednesday.
People with a "significant history of allergic reactions" should not be given the Pfizer/BioNTech coronavirus vaccine, UK health authorities said Wednesday, after two health care workers experienced symptoms after receiving a shot the day before.

Covid vaccine allergy warning after UK health workers with allergy history suffer reaction to Pfizer/BioNTech shot - CNN

10 annotations

4471

1月3日-6日当周中国金融市场
离岸CNH 前三个交易日最大涨幅近3%，这也带动在岸汇价快速反弹
债市: --中国银行间债市当周现券明显走弱
料短期内难摆脱偏弱震荡局面。
股市: --中国股市沪综指当周持续震荡反弹，收出六周来最大周涨幅
大盘将在3,100点之上持续震荡进行反复巩固，板块轮动行情下大盘区间震荡的格局并未变化

《路透简报》--中国金融市场一周走势回顾

6 annotations

cn.mobile.reuters.com

903

受到這些不確定因素打擊。英鎊上週創下1.26美元的4個月新低。
以下是下週最重要的5件財經大事
除了基層勞工　3萬多外國人在台灣都做些什麼？（6/26 內政部公佈5月底合法居留外僑人數）
一共是69萬3千人。扣除近58萬的基層外勞和未工作的眷屬、小孩，真正在台灣工作的外籍人士只有3萬多人
連3個月走低　台灣景氣讓人憂心。（關鍵事件:6/27 國發會公佈5月景氣燈號）
台灣的景氣對策分數，從去年9月一路攀升到今年一月達到29分，眼看再多兩分就可以達到突破綠燈的臨界點，沒想到2 月開始連續3 個月走低
#4「雙梅」過招　英國脫歐內外煎熬。（關鍵事件:英國國會辯論脫歐及新政府組成）

財經週報：外國人都在台灣做些什麼？｜財經時事｜財經週報｜2017-06-25｜即時｜天下雜誌

7 annotations

www.cw.com.tw

8387

文化相近，為什麼當美國創新移到法國後卻格格不入？為什麼迪士尼在巴黎受到排斥，卻在東京大受歡迎呢？我們可以從3個脈絡分析其中的文化意涵。
導入創新需符合在地文化，東京迪士尼成功轉移3脈絡
2016，東京迪士尼來客是3000萬人次；同年，巴黎園區遊客為1340萬人次。巴黎迪士尼更是一路走來坎坷，在1994年瀕臨破產。2002～2003年，雖然增設了迪士尼影城，票房也欠佳。2004年12月，巴黎迪士尼二度宣告破產，直到2016年損失約10億美元。
法國人比較沒有伴手禮文化，法國父母也覺得紀念品不環保又浪費錢。日本人就算不玩遊樂設施，也喜歡到園區裡遊逛，法國人正好相反：他們不喜歡進入園區只能吃速食，還只能坐在被鐵釘固定住的長板凳，好像被美國人教訓該吃什麼，該如何生活。
法國員工重視個人自由，不太願意受約束，造成迪士尼服務規範在巴黎很難推動，服務更無法做到美國的要求

為何迪士尼在巴黎瀕臨破產，在東京卻大受歡迎？｜經理人

5 annotations

7410

As the newly released 2016 Empathy Index demonstrates, empathy, which is about understanding our emotional impact on others and making change as a result, is more important to a successful business than it has ever been
The index focuses on global companies, with an emphasis on UK and U.S. companies and 10 Indian companies. It was not possible to analyze Chinese countries as we hoped, due to a lack of publicly available information.
We break down empathy into categories: ethics, leadership, company culture, brand perception, and public messaging through social media. Our publicly available metrics including CEO approval ratings from staff, ratio of women on boards, and number of accounting infractions and scandals
Empathy, we found, is correlated with ethics, and any ethical failure can prove costly. This is evidenced by the drop in Deutsche Bank from 40th in 2015 to 110th this year and by Wells Fargo plummeting from 20th to 130th.
Ryanair did this with its “Always Getting Better” program in 2014, scrapping unallocated seating and many hidden charges and reducing carry-on luggage restrictions. C
The result was a rise of 13 places in this year’s index and a net profit increase from €867 million the previous year to €1.24 billion ($1.39 billion) in the year to end-March 2016.
Which companies are successfully creating empathetic cultures

The Most (and Least) Empathetic Companies, 2016

7 annotations

family and parenting

hbr.org

1105

Four men were charged in America with hacking 500m Yahoo accounts in 2014, one of the biggest breaches of internet security to date. Two of the men are agents of Russia’s intelligence service.
the Federal Reserve lifted the range for its benchmark interest rate by a quarter of a percentage point to between 0.75% and 1%, and said there would be more rises to come this year
Oil prices fell by 10% over a week,
offered
Elon Musk offered to solve an energy crisis in South Australia that has led to blackouts
, Intel accelerated its drive into the market for autonomous cars by agreeing to pay $15.3bn for Mobileye, an Israeli company

Business this week | The Economist

6 annotations

business and industrial

1448

Focus on training remote employees
6. Products that track nutrition
In 2017, this trend will continue and the boom in fitness apps and software will grow the health and fitness market.
E-commerce will continue to rise
Businesses will focus on connecting customers
Uber is the largest taxi company, yet it has no physical assets and can still deliver rides easily to its customers. We should see more businesses like Uber on the rise.
Products becoming green

10 Business Trends That Will Grow in 2017 | Inc.com

7 annotations

business and industrial

www.inc.com

1365

Mexico conducted the first auction of rights to drill for oil and gas in its deepwater reserves in the Gulf of Mexico
The political uncertainty following the referendum raises particular questions about the ability of Monte dei Paschi di Siena, the most troubled of Italy’s banks, to complete its capital-raising plan
Oil prices surged following the deal announced by OPEC members to cut production, pushing Brent crude above $55 a barrel for the first time in more than a year.
India’s central bank unexpectedly left its main interest rate on hold at 6.25%.
The sta
A consortium of investors led by Macquarie, an Australian investment firm, Allianz, a German one, and including the sovereign-wealth funds of China and Qatar, agreed to buy a 61% stake in the gas-distribution network run by National Grid in Britain. The deal values the business at £13.8bn ($17.5bn).

Business this week | The Economist

6 annotations

business and industrial

1277

We already know that the more lit up an area is at night, the richer and more developed it is. Researchers use this method to estimate poverty in places where we don’t have exact data
Building the algorithm took a two-step process called “transfer learning.” First, researchers showed a neural network daytime and nighttime images of five African countries: Uganda, Tanzania, Nigeria, Malawi, and Rwanda. Using deep learning techniques, they taught it to predict where night lights would be by looking at the daytime images and searching for correlations.

Satellite images of Earth help us predict poverty better than ever - The Verge

2 annotations

cats

www.theverge.com

1162

Codementor 皮爾愛迪
一年半內就投了 5 億，阿里巴巴公佈首批在台 9 家投資企業！
涵蓋醫療科技、人工智慧、電子商務、AR/VR 等領域
首批投資的 9 間企業，
中華開發資本與中經合集團
基金的董事會成員除執行總監李治平外，還包括 AAMA 台北搖籃計劃共同發起人顏漏有、國泰世華銀行副董事長蔡宗翰、鴻霖全球運輸董事長暨執行長邱垂元、及阿里巴巴集團執行副主席蔡崇信。
Amwise 安智生醫
iStaging 數位宅妝
Appier 沛星互動科技
Bitmark
Codementor 皮爾愛迪亞
Health2Sync 慧康生活科技
Jollywiz 樂利數位
NextDrive 聯齊科技
Viscovery 創意引睛

一年半內就投了 5 億，阿里巴巴公佈首批在台 9 家投資企業！ - INSIDE 硬塞的網路趨勢觀察

15 annotations

www.inside.com.tw

6858

A high diastolic number "really should not be ignored," he added. "We should not declare victory just because one number is under control. We need to pay attention to both."
Recognizing that the diastolic blood pressure also has to be controlled because it can increase risk for stroke is a good step forward in our management for blood pressure," said Dr. Nieca Goldberg, a cardiologist at NYU Langone Medical Center and medical director of the Joan H. Tisch Center for Women's Health, who was not involved with the research.
systolic and diastolic hypertension can be treated with the same kinds of medications, but some doctors may need to switch the medicines or doses to get patients below that 130/80 mmHg mark.

For healthy blood pressure, both numbers matter

3 annotations

disease

www.nbcnews.com

4839

In 2004, George W. Bush was in the White House, Beyoncé was in Destiny’s Child and more than 100,000 American troops were in Iraq.
Directed by Ang Lee and adapted from Ben Fountain’s novel, a National Book Award finalist in 2012,
Billy Lynn’s Long Halftime Walk” is about the gulf that separates modern soldiers from their noncombatant fellow citizens, a rift that is the subject of books like Phil Klay’s “Redeployment” and Sebastian Junger’s “Tribe.” The film is also, like Mr. Lee’s “Brokeback Mountain,” about love among men.
He is an elegant, contemplative filmmaker, observing strong emotions with a careful balance of sympathy and detachment. And even the chaos of combat and the circus inside the stadium have a choreographed, almost serene quality. You are not immersed in Billy’s world or his consciousness, but floating through them
The movie is being released in two forms: a 3-D, super-high-definition version with an accelerated frame rate in a couple of theaters and a more conventional version everywhere else

Review: Oscar-Winner Ang Lee’s Super-High-Definition Take on the Iraq War - The New York Times

5 annotations

movies and tv

www.nytimes.com

793

That’s why I’ve compiled a few tips I wish I knew when I was in my 20s.
There’s a big notion that only those with a lot of money should invest in stocks or mutual funds. In fact, a recent study by Bankrate showed that just one in three millennials are investing.
it’s never a bad idea to use investments as a way of saving. Some good sources to check out are Acorns and Stash.
While most people would consider themselves pretty financially savvy, I'd say that can be attributed to the fact that no wants to admit they're bad with money.
, 72 percent of millennials have less than $1,000 in savings.
even if you can afford that, it’s still not your best investment. First, cars are depreciating assets, meaning as soon as you drive off the lot, it’s automatically worth less than what you paid.

10 Pieces of Financial Advice I Wish I Knew in My 20s

6 annotations

school

6654

建議留意以銀行為主的金控股
近期外資對電子股保守，將資金轉進傳產股，其中，股價具低基期優勢的金融股買盤明顯回溫

〈熱門族群〉萬點落後補漲金融股最有潛力 - 財經 - 自由時報電子報

2 annotations

m.ltn.com.tw

5374

These are the best cities for first-time homebuyers

buying and selling homes

5739

Tremendous loss to Taiwan
“Director Chi’s works have allowed us to see the beauty of Taiwan, and inspired others to join the efforts to conserve our land. His passing is a tremendous loss to Taiwan,” Tsai said.

'Tremendous loss to Taiwan': Acclaimed director believed killed in helicopter crash on assignment | Hong Kong Free Press HKFP

2 annotations

ecology

www.hongkongfp.com

6246

it could prove a troublesome dynamic for them if ultra-deep discounts end up being needed all season long to get people shopping.
Average spending per person was down to $289.19 from $299.60 in 2015.
This year, about 108.5 million people shopped online over the holiday season, compared with 103 million last year.
Experts say that in a presidential campaign year, we typically see that the election serves as a temporary distraction, with shoppers getting their gift-buying started a little later
Adobe, which analyzed 22.6 billion visits to retail websites, reports that a record $3.34 billion was spent online on Black Friday, up 21.6 percent from the previous year

More people shopped over Thanksgiving weekend than last year — but they spent less - The Washington Post

5 annotations

food and grocery retailers

www.washingtonpost.com

1252

This year’s index also includes a new, higher benchmark. It requires employers to offer their employees at least one health insurance plan that includes transgender-inclusive coverage.
This is the ninth consecutive year that the educational arm of nation’s largest civil rights organization working to achieve equality for lesbian, gay, bisexual, transgender and queer (LGBTQ) people has recognized the medical center for advancing LGBTQ equity among its patients and employees.
cal Center and our entire health system are dedicated to inclusion because it benefits the health and well-being of patients and employees alike,” said Chao-Yin Chen, professor of pharmacology and chair of the health system’s LGBTQ+ advisory council. “Everything we’re doing is aimed at reducing the long-standing health disparities that the LGBTQ community
centered philosophy of care,” said Adrienne S. Lawson, director of Institutional Culture, Climate & Community Engagement. “We’re driven now more than ever to make sure patients, families, visitors and care team members are treated with t

UC Davis Medical Center earns national LGBTQ health care honors – Daily Democrat

4 annotations

gay life

www.dailydemocrat.com

4819

When you look at the data of what keeps employees satisfied long term, it is always the core, traditional benefits," says Chamberlain. Those include retirement benefits, great health insurance and a paid time off policy.
Automation and data analysis will expand further into the U.S. job market in 2017,
The big change that we are going to see from automation is not mass unemployment. What we are going to see is that people need to up-skill regularly.
By contrast, Silicon Valley futurists predict that automation is going to lead to widespread unemployment
The pace of growth in the gig economy is going to slow, he says. "There has been a lot of growth in recent years because there has been low-hanging fruit for gig work,

The robot revolution revs up, the gig economy slows down and 3 other job trends to expect in 2017

5 annotations

business operations

《旅行青蛙》紅什麼》開發團隊透露4個特點　和一般遊戲大不同 - Smart自學網|財經好讀 - 好生活 - 居家休閒(旅行青蛙,旅かえる,幸運草,HIT-POINT)

1331

4.只需要零碎時間就能玩，幫用戶排解無聊感
，日本手遊《旅行青蛙》（旅かえる）真的稱得上洗版了
遊戲設置很特別，玩家與青蛙不用對話，只需要每天種植和採集「幸運草」，用來購買青蛙的食物
青蛙就會動不動出去旅行（或是選擇待在家），出去多久不明，最長可到4天，偶爾會寄照片回來，更好一點的，還會記得帶個伴手禮回家
1.玩家角色轉為被動，等待青蛙給驚喜
中國的用戶占了95%
3.目標客群明確，針對10歲～30歲女性製作易被分享的Q版設計

7 annotations

smart.businessweekly.com.tw

7697

往前推算6個交易日。
「填權息」
觀察它過往填權息的速度，避免賺了股利，卻賠了價差。
「除權息基準日」
「除權息交易日」
「除權息行情」
公司配發的股利有兩種方式：「股票股利」與「現金股利」。
交易日的重要之處，在於想獲得除權息資格的話，必須在除權息交易日之前（不含交易日當天）買進。

學會這樣買股票，每年多領一筆「年中獎金」！｜經理人

8 annotations

5247

The exchange rate is a price — the price of money.
Recent administrations have focused instead on pressing other nations to stay out of the market.
The value of the dollar has fallen steadily since the beginning of 2017, erasing a sharp rise immediately after President Trump’s election.
The winners are American companies that sell goods and services to foreigners
It is important to put the recent decline into a broader context. Over the last six years, the dollar is still up about 28 percent.
The value of the dollar, relative to other currencies, is supposed to reflect the strength of the American economy, relative to other countries.

What the Decline of the Dollar Means - The New York Times

6 annotations

energy

www.nytimes.com

5450

Youngsters from poor families took up only 10 per cent of apprenticeships,
Young people from better-off families are taking up most of the new apprenticeships
low-income families are underrepresented on the programme,
apprenticeships are open to those aged 16 and over, the majority of recent ones have been taken up by people aged 24
The areas with the biggest “class gap” included Yorkshire and the Humber, the North East and the South West.
their training would not necessarily boost their job prospects. The commission found some evidence that apprenticeships were not “open to all”, with employers setting a minimum level of qualifications such as five good GCSEs in order to hire the best candidates. That risked excluding candidates who needed vital qualifications to progress in the workplace.

Government's £2bn-a-year apprentice scheme is disproportionately used by young people from wealthier families | The Independent

6 annotations

government

6720

原來這與韓國企業在印度的投資腳步有關。韓國企業看準中印度低廉生產成本以及廣大市場，雙管齊下經營出口與內需市場。韓國現代汽車在印度有17%的市佔率，僅落後市佔率將近5成的馬魯帝鈴木。現代不僅是第二大汽車製造商，更是印度最大的轎車出口商，每年出口超過10萬輛。
台北駐德里經濟組官員估計，在印度約有100多位台灣人，中國籍的有8000多人，但韓國人卻多達3萬多人，就是投資帶來的移動潮

為什麼愈來愈多韓國人在印度念中文系？｜國際｜2016-09-21｜即時｜天下雜誌

2 annotations

www.cw.com.tw

957

entrepreneur, Jeff closed down his lawn business after getting what turned out to be a life-changing tip from a customer about options trading
After 6 months, Jeff and the troops decided they wanted to live in New Hampshire—and there they’ve been ever since.

Dallas Man Turns $2,000 Investment Into $4.3 Million Company With Options Trading Gemini - RagingBull

2 annotations

investing

ragingbull.com

4539

Swiss work habits are most similar to Americans
The study was designed to make it easier to compare countries to each other, by capturing the overall hours per person, not just for people with jobs. That incorporates not just the length of the typical workweek but also retirement, vacation, unemployment, and other time spent out of the workforce.
The average person in Europe works 19 percent less than the average person in the U.S. That’s about 258 fewer hours per year,
said Dora Gicheva, an economist at the University of North Carolina-Greensboro,
Americans work longer hours because their additional effort is more likely to pay off. People earn a wider range of incomes in the U.S., so “workers have an incentive to try harder to move up the job
Taxes are an issue. Despite what Donald Trump has said, taxes in the U.S. are substantially lower than in Europe
Generous pensions in Europe are also a strong factor in discouraging older people from working,
The data strongly suggest that labor regulation and unionization appear to be the dominant factors explaining the differences between the United States and Europe,”

Americans Work 25% More Than Europeans, Study Finds - Bloomberg

8 annotations

tourist destinations

1057

Black Edge:
It’s easy to compare any exposé about finance to Michael Lewis, but this is an apt one. Though Black Edge doesn’t possess the language of The Big Short or Flash Boys, like Lewis, Kolhatkar’s best feat is showcasing her incredible depth of reporting
best moments of Black Edge have to do with the technical details
Kolhatkar worked as a risk arbitrage analyst at two hedge funds before writing the book.)

These Are the Best Books of February | GQ

4 annotations

books and literature

www.gq.com

1635

As countries emerge from the Covid-19 crisis, we have a once-in-a-generation opportunity to rethink the role of health in a post-pandemic future.
Last, companies can proactively help shape healthy communities around them
Research shows that chronic conditions, including low back pain, mental health, and migraines can reduce the productivity of workers by up to 5%
Most companies outside health care are adjusting to new ways of working and serving their customers. Our research makes a strong economic case for why they should invest in the long-term health of their employees as well.
Furthermore, the pandemic has catalyzed fast-speed innovation and global collaboration, which if sustained could help the world address other major health conditions such as many cancers, cardiovascular diseases, and mental health disorders
Plus billions of people around the world are demonstrating that behavior can readily change in certain circumstances, for instance, as they wear masks, prioritize handwashing, and reduce face-to face interactions to curtail the spread of the virus
We found that focusing on known health improvements such as vaccines and preventive medications for heart conditions could deliver an incremental economic benefit of $2 to $4 for each $1 invested.
t would require not only shifting incentives in health systems from disease treatment to health promotion, but also making better health a social and economic priority.
We find that 70% of the economic benefits could be achieved with cleaner and safer environments,
we estimate that poor health reduces global GDP by 15% each year — about twice the pandemic’s likely negative impact in 2020 — from premature deaths and lost productive potential among the working-age population.
$12 trillion economic opportunity, hundreds of millions of lives saved, and better health across the global population.
New research by the McKinsey Global Institute shows that making prudent investments in the health of the world’s population can dramatically improve people’s quality of life, protect against downside risks such as pandemics, and lead to large economic returns from increased output and productivity
Never before has the direct connection between the health of the global population and our economic prosperity been so visibly demonstrated.
Research: Poor Health Reduces Global GDP by 15% Each Year

Research: Poor Health Reduces Global GDP by 15% Each Year

14 annotations

hbr.org

4352

It wouldn’t seem out of place imagining a conceptual boat design powered by Tesla Motors innovation, now would it? The E-Vision Granturismo Boat concept runs on Tesla’s Lithium Ion batteries

Look! It’s a Tesla Boat! | Yanko Design

1 annotation

visual art and design

www.yankodesign.com

995

Few countries have experienced a tourism boom quite like Iceland’s. In 2010, just 500,000 travellers ventured to its volcanic shores. Last year the figure was 2.3m – an increase of 360 per cent in just eight years. But it would appear the bubble is about to burst.

The countries being snubbed by tourists

1 annotation

business travel

www.telegraph.co.uk

4618

While benchmark Brent crude has fallen more than 9 percent over the past week, the Stoxx Europe 600 Oil & Gas index has retreated just 3.9 percent
p
investors they can now easily withstand such crude-price corrections.
. “The resilience is mainly linked to the fact that oil companies have an oil cash breakeven as low as $50 per barrel and their budget and share-buyback plans are based on $60
Oil stocks are decoupling from oil owing to the strong free cash flow,” said Christyan Malek,
Oil companies’ discipline during the 2014-2016 crash proved to investors they can now easily withstand such crude-price corrections

Why Investors in Oil Companies Don't Care About Crude's Drop - Bloomberg

6 annotations

energy

6906

“If someone finds the information we’ve included to be useful, I would encourage them to look at the research in its entirety,”
McGowan also wants to remind anyone accessing the toolkit that the information doesn’t stop at the summaries themselves.
McGowan expects the toolkit to keep growing as health care workers are posed with more questions. So far, more than 100,000 visitors have accessed the website.
Currently, the COVID-19 Toolkit includes nearly 300 systematic review summaries on topics
We provide quick summaries so clinicians and policymakers can get a sense of how the virus is affecting us
A systematic review can be best described as a collection of studies and evidence in response to a research question.
My goal is to highlight existing information and help people who need that information find it quickly and as efficiently as possible.”
Bethany McGowan, an assistant professor and health sciences information specialist at Purdue University, is partnering with the nonprofit organization Evidence Aid to develop a toolkit dedicated to help health care providers during COVID-19.
COVID-19 ‘toolkit’ helps health care providers stay informed

COVID-19 ‘toolkit’ helps health care providers stay informed - Purdue University News

9 annotations

www.purdue.edu

4340

，英國中小學教育基本寓學習於娛樂之中，對基礎知識的學習不像中國學校抓得那麼緊。
這樣的成績意味著，學生有可能考上一流大學。另外一個數字顯示，85％中學畢業的華裔學生都升入大學繼續學習，而其他族裔學生只有三分之二中學後進入大學。
我不認為有優劣之分，兩國的教育制度都適合各自的國情。當然，各有千秋。
那麼，除了這些明顯的原因，為什麼在英國華裔孩子的表現竟超過了英國本土孩子呢？是他們格外聰明刻苦，還是教育制度的原因？
不少來自發展中國家的家庭和孩子，特別是家境貧困的孩子，或許更珍惜他們在英國所享受的教育，他們希望充分利用優良的而且是免費的英式教育，從而進入大學，獲得高等教育文憑，

為何英國的華裔中小學生成績獨佔鰲頭 - BBC 中文网

5 annotations

www.bbc.com

7161

prism design + office coastline's runner camp merges a retail shoe store with a gym facility

bed and bath

www.designboom.com

5241

A federal appeals court on Tuesday will consider the fate of the Affordable Care Act, setting the stage for a major decision later this summer that could impact health care benefits for millions of Americans and supercharge debate over the law in the heat of the 2020 campaign.
Together, the Trump Administration and the Texas-led coalition risk the health of nearly every American -- from the young to the elderly, the sick to the gainfully employed," said California Attorney General Xavier Becerra. "Our coalition of states stands ready to defend the law and every person whose life may be on the line."
Industry groups and independent health care analysts say wiping out Obamacare without an alternative would mean a highly disruptive shift in the health care of millions of Americans.

Obamacare faces major court test with health benefits on the line - ABC News

3 annotations

government

abcnews.go.com

4397

it is starting to look like a bubble, and that should be making investors everywhere feel nervous. Why? Because it tells us that financial crazes are back. Because it will lead to overinvestment and wild speculation
An investment of $1,000 in bitcoin in 2010 would be worth more than $38 million today,
On another level, however, the bubble could matter a lot. Here are three reasons why it should be making investors, whether they have any cryptocurrencies in their portfolio or not, feel anxious.
First, like any mania, it will lead to overinvestment, and that will lead to a misallocation of capital.
It may well start to break out of a small techno world, and become a mainstream asset, like the dollar, or equities, gold or bonds.
Finally, if bitcoin crashes, it might not do that much damage. $30 billion can disappear without leaving much of a trace in the capital markets.

Three reasons to fear the coming crash in bitcoins - MarketWatch

6 annotations

investing

The brain consumes half of a child's energy -- and that could matter for weight gain: New paper proposes that variation in brain energy expenditure during childhood could be linked to obesity risk -- ScienceDaily

8737

Your patients want to schedule appointments when it is convenient for them. Unfortunately, this is not always at a time convenient for you. In the health and personal care industry, approximately 70% of online appointments are made between the hours of 8 PM and 3 AM. In the past, your only choice was to make yourself available after hours or risk losing business.
Your customers are busy. Obligations may come up and prevent them from keeping their appointments with you. With an event in their calendar and with email and SMS reminders, your patients will be less likely to miss an appointment.
With OnceHub, more appointments can be made and no-shows can be reduced, helping you operate your practice at optimal efficiency.

OnceHub | Scheduling solutions for health and medical

3 annotations

health and fitness

www.oncehub.com

4287

indicating that teens who belong to racial/ethnic minority groups, who come from immigrant families, or who come from families with lower income are more likely to live in areas with high levels of outdoor light at night
disruptions to sleep and circadian rhythms is a well-documented feature of certain mental disorders, including bipolar disorde
Specifically, teens who lived in areas with higher levels of artificial light at night were more likely to meet the diagnostic criteria for bipolar disorder or specific phobia.
The data showed that greater levels of artificial light at night were also associated with increased likelihood of having a mood disorder or anxiety disorder
The analyses showed that, on average, teens in areas with the highest levels of outdoor light went to bed about 29 minutes later and got 11 fewer minutes of sleep than did teens in areas with the lowest levels.
Importantly, teens who lived in areas with high levels of artificial light at night tended to report later weeknight bedtimes and shorter weeknight sleep duration
As expected, levels of artificial light at night varied according to certain neighborhood-level factors, such as urbanicity, socioeconomic levels, and population density.
As part of in-person interviews for the NCS-A, the adolescents completed a validated assessment to determine whether they met the diagnostic criteria for various mental disorders
The presence of artificial light at night can disrupt these rhythms
Daily rhythms, including the circadian rhythms that drive our sleep-wake cycles, are thought to be important factors that contribute to physical and mental health.
esearch shows that adolescents who live in areas that have high levels of artificial light at night tend to get less sleep and are more likely to have a mood disorder relative to teens who live in areas with low levels of night-time ligh
Outdoor light linked with teens’ sleep and mental health

Outdoor light linked with teens’ sleep and mental health | National Institutes of Health (NIH)

12 annotations

www.nih.gov

4322

Engagement in late-life cognitive activities – Being intellectually engaged
A high-quality, Mediterranean-DASH Intervention for Neurodegenerative Delay (MIND) diet, which combines the Mediterranean diet and Dietary Approaches to Stop Hypertension (DASH) diet – The MIND diet focuses on plant-based foods linked to dementia prevention.
Light-to-moderate alcohol consumption – Limiting use of alcohol may help cognitive health.
Not smoking
At least 150 minutes per week of moderate- to vigorous-intensity physical activity
The findings strengthen the association between healthy behaviors and lower risk, and add to the basis for controlled clinical trials to directly test the ability of interventions to slow or prevent development of Alzheimer’s disease.”
This observational study provides more evidence on how a combination of modifiable behaviors may mitigate Alzheimer’s disease risk,”
The behaviors were physical activity, not smoking, light-to-moderate alcohol consumption, a high-quality diet, and cognitive activities.
Those who adhered to four or all of the five specified healthy behaviors were found to have a 60% lower risk of Alzheimer’s.
Combining more healthy lifestyle behaviors was associated with substantially lower risk for Alzheimer’s disease in a study that included data from nearly 3,000 research participant
Combination of healthy lifestyle traits may substantially reduce Alzheimer’s

Combination of healthy lifestyle traits may substantially reduce Alzheimer’s | National Institutes of Health (NIH)

11 annotations

www.nih.gov

4491

erns of energy expenditure and weight gain. "We all know that how much energy our bodies burn is an important influence on weight gain," said Kuzawa, professor of anthropology in the Weinberg College of Arts and Sciences and a faculty fellow with the Institute for Policy Research at Northwestern. "When kids are 5, their brains use almost half of their bodies' energy. And yet, we have no idea how much the brain's energy expenditure varies between kids. This is a huge hole in our understanding of energy expenditure."
This finding helped confirm a long-standing hypothesis in anthropology that human children evolved a much slower rate of childhood growth compared to other mammals and primates in part because their brains required more energy to develop," Kuzawa said.

2 annotations

homework and study tips

www.sciencedaily.com

4424

There’s a simple strategy: Learn to budget.
Be budget-conscious
Learn to use credit responsibly. Gaudio recommends using credit cards only for emergencies. For everyday spending, turn to debit cards, cash or checks. “That way, the balances never build up,” he said.
Card sharp
The average cost is about $17 a month — a small price to pay, considering what could happen in case a neighbor lets their bathtub overflow.
Even if you don’t think you have much of value in that first apartment, get renter’s insurance.
Risk management
Winner takes all
The strategy is more important than the amount: If you can’t do 10%, then do 5%. And if you can’t do 5%, save 1% or 2%, and set a goal of raising the amount
Immediately start putting 10% of your money into your 401(k),” Kampitsis said.
Live on less
You need the same core principles of financial planning — investing, risk management, estate and tax planning — as someone 10, 20 or 30 years older, says Paul Gaudio, a certified financial planner at Bryn Mawr Trust in Princeton, New Jersey.
But if you want to actually retire someday, start saving no
Invest in You: Ready. Set. Grow.In your 20s? Master the basics of personal finance today to get yourself on the right track

These are the financial basics you need in your 20s

14 annotations

4443

設計師不二良設計的台北燈節主燈小奇雞於今天正式亮燈

微博

1 annotation

m.weibo.cn

1070

The professionals’ advice: Start the new year looking at your taxes not one deduction at a time, but from a comprehensive perspective.
“Tax-planning moves should be part of a larger financial plan
If your tax rate is decreasing, consider changing your withholdings
If you’ve been putting off an expensive medical procedure, you may want to schedule some appointments in the coming year. For the 2017 and 2018 tax year, you can deduct out-of-pocket medical expenses that exceed 7.5 percent of your adjusted gross income

Start 2018 with a new strategy for your taxes - The Washington Post

4 annotations

business operations

www.washingtonpost.com

7559

Remapping the 123 largest global cities
Competitiveness profile: Global Giants by the numbers
Asian Anchors include five Pacific-oriented metro areas—Beijing, Hong Kong, Seoul-Incheon, Shanghai, and Singapore

Redefining Global Cities | Brookings Institution

3 annotations

politics

www.brookings.edu

1237

the highway will now undergo a two-year testing phase.
The road, called Wattway, was inaugurated by ecology minister Ségolène Royal, who said earlier this year that she wanted to build 1000 km of solar panel roads in France.
A number of countries are experimenting with solar panels on roads. The Netherlands have 70 metres of solar road in operation since 2014 in the form of a bike path.
that cost and durability were the two main factors impeding the development of solar panel roads
The electricity generated should be able to power the street lighting in the village of 3,400 inhabitants.

World’s first solar highway opens in France | The Independent

5 annotations

tourist destinations

1185

At some point the economy is going to slow. We will have higher interest rates to go along with that, and that’s going to hurt valuations.”
So where’s the floor? Below are four views that tackle the question from the perspective of valuation,
we believe there is short-term upside to the S&P 500.”
Growth will decelerate next year, but still far above zero as implied by the equity market, according to Goldman strategists led by David Kostin. The firm’s economists forecast a 2.5 percent increase in next year’s gross domestic product.
“Right now I feel like everyone is so pessimistic and just so ‘glass is half empty’ that I would expect you could see the yield spread get a lot wider before we hit a bottom,” Chris Zaccarelli, chief investment officer at the Independent Advisor Alliance, said by phone. “On the other hand, I already think the sell-off has gone too far, so who’s to say?”

Where's the Bottom? Valuation Cases for an Unstable Stock Market - Bloomberg

5 annotations

programming languages

7167

Mistake #3: Buying into Wall Street's 'investing is complicated' mantra.
When it comes to investments, the easiest way to rein in expenses is to stick as much as possible to low-cost index funds and ETFs.
You're much better off with a less-is-more approach: build a basic portfolio of broadly diversified stock and bond funds that matches the level of risk you're willing to take
stick with that portfolio regardless of what the market is doing

Millennials: Avoid these 5 financial mistakes

4 annotations

careers

943

With dementia sufferers a growing segment of this aging population, Prime Minister Shinzo Abe’s administration issued a plan in early 2015 that provides a framework for the country to cope with the condition. The “New Orange Plan” set aside increased funding and called for such measures as better early detection methods,
In 2015, a record 12,208 Japanese people with dementia were reported missing
Related products, such as shoes equipped with a GPS device that send a family member a message if the wearer leaves a set area, are used in Japan and elsewhere.
companies have marketed wristbands with GPS tracking for people with dementia.
Iruma, north of Tokyo, launched a free service to help find residents who have strayed. A local company developed one-inch waterproof QR code stickers that can be affixed to a person’s fingernails or toenails. The stickers last about two weeks before deteriorating
Japan is already the world’s oldest society, and by 2035, one in three of its citizens will be 65 or over.

In Japan, Using Tech to Track Residents with Dementia - CityLab

6 annotations

tourist destinations

www.citylab.com

6561

"We know it's a hard decision and that people need to have time to prepare and have discussions with family and friends and to make these decisions, and people travel for different reasons," Dr. Cindy Friedman, chief of the traveler's health branch at CDC, told the briefing. "But our recommendations are trying to help give them the tools they need to make these tough choices."
"Testing does not eliminate all risk, but when combined with reducing non-essential activities, symptom screening and continuing with precautions like wearing masks, social distancing and hand washing, it can make travel safer," Walke said.
If people do decide to travel, "CDC recommends that travelers consider getting tested one to three days before travel," Walke said. "And then again three to five days after travel."
CDC officials also said Wednesday that people who choose to travel should limit their activities afterward -- and the safest choice over the upcoming winter holidays is to stay home."CDC recommends that the best way to protect yourself and others is to postpone travel and stay home," Walke said.
Local public health agencies' recommendations may differ from CDC's, too."Everyone should follow this specific guidance from their local public health authorities about how long they should quarantine," Walke said.
If a person quarantined for seven days and had no symptoms and a negative test, the risk of transmitting coronavirus is about 5%, with an upper limit of about 12%. A PCR or antigen test should be collected within 48 hours before the end of quarantine, CDC says, but quarantine should not end before seven days, even if rest results are returned earlier.
"We can safely reduce the length of quarantine, but accepting there is a small residual risk that a person who is leaving quarantine early could transmit to someone else if they became infectious," Brooks said.
But if the quarantine period is reduced from 14 days, more people may be willing to stay home after exposure, the CDC said -- and that may result in fewer coronavirus infections.Read More"We believe that if we can reduce the burden a little bit, accepting that it comes at a small cost, we may get a greater compliance overall with people completing a full quarantine," Brooks said. "If we get more people on board to complete that overall, that will result in fewer infections."
The new quarantine guidance was based on "extensive" modeling by CDC and other agencies that showed the risk is low, Dr. John Brooks, chief medical officer for CDC's Covid-19 response, said during a telebriefing Wednesday. Many people end quarantine early because of pressure to return to work and school, CDC officials said, and some aren't willing to share names of contacts they fear will then be required to quarantine.
Covid-19 quarantine periods can be as short as seven to 10 days for some people, the US Centers for Disease Control and Prevention said Wednesday, but a 14-day quarantine after coronavirus exposure remains the safest option.

CDC says 14-day Covid-19 quarantine can be shortened to 7-10 days - CNN

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Schwartz, the vaccination policy researcher at the Yale, and his colleagues took virus spread into account when making their calculations. If things keep going as they have in the past few weeks, with more than 150,000 new coronavirus cases and about 1,500 deaths — about one every minute — reported daily in the United States, vaccine distribution would need to move lightning fast to prevent millions more deaths. “If we’re at that [high level of transmission], even a highly effective vaccine will struggle to make a dent in the trajectory of the pandemic,” Schwartz says.
“The logistics just keep going,” Turley says. From Borneo to Paris to Charlotte, N.C., how best to distribute vaccines is a problem people are facing everywhere, she says. “The only consolation is that everybody is grappling with this, and that’s really no consolation to any of us.”
For comparison, Sanae points out that the demand for widespread COVID-19 testing initially took many people by surprise. “If we went back to January and I told you we’d be collecting testing samples in a parking lot, you’d probably laugh at me,” he says. But that’s what it may take to get vaccines distributed as widely as tests are. He envisions every school, government and community testing center converted to vaccination clinics, along with doctors’ offices, pharmacies, hospitals and other clinics.
“If I vaccinate people and can’t provide a second dose, that’s not meeting a moral and ethical obligation,” Turley says.
Such freezers are just one link in a “cold chain” needed to keep the vaccines fresh and effective. But the chain is fragile. The World Health Organization estimates that about 2.8 million doses of vaccines were lost in five countries in 2011 because the cold chain was broken. That includes losses in countries such as Nigeria, where 41 percent of refrigerators were nonfunctional, and Ethiopia, which had about 30 percent of its cold-chain equipment go kaput. Losing millions of doses of COVID-19 vaccines could be disastrous for getting a handle on the pandemic.
has assured health officials in the United States that its vaccine can be held for up to 15 days in its pizza boxes with dry ice recharges every five days and then spend another five days in the refrigerator before going bad, Seetoo says. That gives officials about 20 days to distribute the vaccine once they receive it.
Even regular freezers, such as those needed to store Moderna’s vaccine, may be a challenge in some areas. “There’s lots of places where you can’t get a cold Coke,” Hu says.
Much of the need for cold shipping is seasonal, such as avocado season in South Africa and Mexico. ”If the vaccine season hits South Africa at the same time as avocado season [and] there’s not a whole lot of capacity for carrying avocados,” Townley says, “what does that do to South Africa’s economy?”
To get a sense of the task ahead, imagine “putting two iPhones in the hands of every single human on the planet, and make sure those iPhones are cold when they get there,” Townley says. Refrigerated and freezer trucks, planes and trains that can transport such chilly goods aren’t in huge supply. Cold transportation is also necessary to move bacon, avocados and many other foods and medicines, such as insulin, Townley says. “Normal systems are not built to take on this large of a challenge in this short of a time frame,” he adds.
Even a vaccine that is only 50 percent effective in preventing disease could quell the pandemic if it were distributed quickly enough, says study coauthor Jason Schwartz, a vaccination policy researcher at the Yale School of Public Health. “Implementation matters.”
Management of the vaccine rollout is a key variable — at least as important as vaccine efficacy — in the equation determining how well a vaccine will quell the pandemic, researchers reported November 19 in Health Affairs. Researchers considered different scenarios, figuring in vaccine effectiveness, the pace at which people could be vaccinated (depending both on delivery systems and public willingness) and how quickly the virus spreads.
“The vaccine race now is not a race out of the lab. It’s a race to the patient,” he says. And the most successful vaccines, Townley says, will be those made by the companies that pay the most attention to the last mile of the race.
In normal times, potential vaccines have only a 10 percent chance of making it from Phase II clinical trials — which test safety, dosing and sometimes give hints about effectiveness — to approval within 10 years, researchers reported November 24 in the Annals of Internal Medicine. On average, it takes successful vaccines over four years to go from Phase II trials to full regulatory approval.
Already, two companies have announced that their vaccines appear safe and about 95 percent effective (SN: 11/18/20, SN: 11/16/20). Government regulators in the United Kingdom granted permission December 2 for emergency use of a vaccine made by the pharmaceutical company Pfizer and its German biotech partner BioNTech. The first doses could be delivered within days of the announcement. Emergency use authorization and even full approval of the vaccines is probably not far off in the United States and other countries.

COVID-19 vaccine distribution's 'last mile' poses huge challenges | Science News

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Financial expert and New York Times best-selling author Suze Orman's "The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Spot Worrying" explains how people's relationships with money are influenced by their emotions.
save more money
In this book, Orman offers tips for paying off debt,
retirement accounts, and more. 2/11 2. 'The Total Money Makeover: A Proven Plan for Financial Fitness' by Dave Ramsey A simple, straightforward game plan for fixing your money habits. Amazon "The Total Money Makeover: A Proven Plan for Financial Fitness" is financial expert, radio host, and New York Times best-selling author Dave Ramsey's most popular book. In this revised and updated version, Ramsey distills his two decades of financial counseling experience into a seven-step plan for gaining total control over your money. 3/11 'Rich Dad Poor Dad: What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not!' by Robert Kiyosaki Kiyosaki outlines important money lessons he learned from important figures in his life. Amazon This may sound like a book solely for dads, but it's not. Robert Kiyosaki's New York Times best-seller "Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!" is about two "dads" who taught the Kiyosaki different perspectives about money: his actual father and his best friend's father. Kiyosaki uses the lessons he learned from his father figures to offers practical yet slightly counterintuitive financial advice, arguing that you don't need a high income to become wealthy and that a house isn't an asset, among other things. 4/11 4. 'Think and Grow Rich: The Landmark Bestseller - Now Revised and Updated for the 21st Century' by Napoleon Hill and Arthur Pell A revised version of the 1937 "Think and Grow Rich" original. Amazon Although "Think and Grow Rich" was originally published in 1937, its wisdom has stood the test of time. In the book, author Napoleon Hill presents his laws of financial success, which are drawn from his analysis of the lives of millionaires like Andrew Carnegie and Henry Ford. The updated version also features contemporary successful figures, like Bill Gates and Mary Kay Ash. 5/11 5. 'Secrets of Six-Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life' by Barbara Stanny Stanny interviewed 150 women who made between $100,000 and $7 million. Amazon After conducting extensive research and interviewing hundreds of women who earn six-figure salaries, Barbara Stanny boiled down their insights to seven key strategies for achieving wealth. The journalist, motivational speaker, and financial educator discusses these methods in detail in "Secrets of Six-Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life." For many people, saving more means earning more, and this book is a great place to start. 6/11 6. 'Unshakeable: Your Financial Freedom Playbook' by Tony Robbins Robbins is a life and business strategist who has coached more than 50 million people from 100 countries. Amazon New York Times best-selling author and motivational guru Tony Robbins collaborated with financial advisor Peter Mallouk for "Unshakeable: Your Financial Freedom Playbook." The book outlines how you can achieve financial peace of mind, boost your retirement savings, and make smart investments. 7/11 7. 'Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want' by Rachel Cruze Cruze shows you how to reframe your mentality about money. Amazon "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want" is based on the concept that comparing yourself to others is a damaging habit — not only mentally, but also financially. New York Times best-selling author Rachel Cruze discusses how you can live the life you want by following seven core financial habits, like reframing the way you think about money, living on a plan, and avoiding debt. 8/11 8. 'The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich' by David Bach Find out Bach's secret to becoming a millionaire. Amazon New York Times best-selling author David Bach wrote "The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich" to address a question he had been asked repeatedly over the years: What's the secret to becoming a millionaire? His answer begins with an illustrative story of a couple making $55,000 a year who, through smart money management, put their kids through college, own two homes debt-free, and retired early with $1 million in the bank. He goes on to detail a practical system, complete with resources like websites and apps, that you can immediately put to work to help secure your finances. 9/11 9. 'The Financial Diet: A Total Beginner's Guide to Getting Good with Money' by Chelsea Fagan This personal finance book offers tips for making a budget, understanding investments, and dealing with credit. Amazon For younger readers looking to grasp basic financial principles, like creating a budget and managing credit, "The Financial Diet: A Total Beginner's Guide to Getting Good with Money" by Chelsea Fagan is a great choice. The author draws on expert advice to offer readers the tools they need to reach financial stability. It was named Best Book of 2018 by Refinery29 and was chosen as one of Real Simple's Most Inspiring Books for Graduates. 10/11 10. 'Broke Millennial: Stop Scraping By and Get Your Financial Life Together' by Erin Lowry Lowry shows readers, step-by-step, how to go from broke to financially savvy. Amazon A Washington Post "Color of Money" book club pick, "Broke Millennial: Stop Scraping By and Get Your Financial Life Together" uses humor, simple advice, and true stories to help young adults establish financial stability. Financial expert Erin Lowry addresses general money concepts, such as your relationship with money, as well as specific scenarios, like what to do when friends want to split a check evenly and you can only afford to cover the cost of your individual order. 11/11 11. 'You Are a Badass at Making Money: Master the Mindset of Wealth' by Jen Sincero Uncover what's holding you back from making money with Sincero's tips. Amazon New York Times best-selling author Jen Sincero urges readers to get past the stumbling blocks and fears that are keeping them from reaching financial success in "You Are a Badass at Making Money: Master the Mindset of Wealth." As someone who went through a positive financial transformation herself — going from living in a converted garage to jet-setting around the globe — Sincero has plenty of personal insights to share. In the book, she instructs readers how to tap into their natural money-making abilities, stop being victims to circumstances, and relate to money in a new way. Previous 1/11 Next SEE ALSO: 12 clever ways to save money every day, according to financial experts More: Features BI-freelancer Money Books Personal Finance financial advice BIStrategy by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links Recommended from the WebBabbelLanguage expert shares the secret to learning a language in 20 mins a dayBabbelUndoDrone 720XSelfie Quadcopter Shocks $country capitalized$. The Idea Is IncredibleDrone 720XUndoBlinkistThis Woman Reads 100 Books A MonthBlinkistUndoSave70.comHotels In Taiwan At Ridiculously Low PricesSave70.comUndoCruise-Compare.comIf you live in Tainan City you're eligible for these incredible cruise offersCruise-Compare.comUndoDelta WarsPlay this Game for 1 Minute and see why everyone in Tainan is addictedDelta WarsUndoForge Of Empires - Free Online GameThe Must-Play City Building Game of the YearForge Of Empires - Free Online GameUndowww.therapywithsaba.com4 Common Types of Prescription Drugs with High Addiction Potentialwww.therapywithsaba.comUndowww.bleubloom.com4 Healthy Smoothie Recipes To Make On The Gowww.bleubloom.comUndoTrips ShopPeople from Taiwan cannot believe these flight pricesTrips ShopUndo by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksVideos You May LikeJIM ROGERS: The worst crash in our lifetime is comingUndoThis London-based food truck only sells cheese sandwiches — here’s how they’re madeUndoA hair surgeon explains what's going on with Trump's hairUndoEverything we know about the mysterious SR-72 — Lockheed Martin's successor to the fastest plane everUndo by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links From The WebGrepolis - Online Free GameAre You Ready to Conquer Ancient Greece? Already 35 Million PlayersGrepolis - Online Free GameUndoVikings: Free Online GamePlay this for 1 minute and see why everyone is addictedVikings: Free Online GameUndo
retirement accounts, and more. 2/11 2. 'The Total Money Makeover: A Proven Plan for Financial Fitness' by Dave Ramsey A simple, straightforward game plan for fixing your money habits. Amazon "The Total Money Makeover: A Proven Plan for Financial Fitness" is financial expert, radio host, and New York Times best-selling author Dave Ramsey's most popular book. In this revised and updated version, Ramsey distills his two decades of financial counseling experience into a seven-step plan for gaining total control over your money. 3/11 'Rich Dad Poor Dad: What the Rich Teach Their Kids About Money - That the Poor and Middle Class Do Not!' by Robert Kiyosaki Kiyosaki outlines important money lessons he learned from important figures in his life. Amazon This may sound like a book solely for dads, but it's not. Robert Kiyosaki's New York Times best-seller "Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!" is about two "dads" who taught the Kiyosaki different perspectives about money: his actual father and his best friend's father. Kiyosaki uses the lessons he learned from his father figures to offers practical yet slightly counterintuitive financial advice, arguing that you don't need a high income to become wealthy and that a house isn't an asset, among other things. 4/11 4. 'Think and Grow Rich: The Landmark Bestseller - Now Revised and Updated for the 21st Century' by Napoleon Hill and Arthur Pell A revised version of the 1937 "Think and Grow Rich" original. Amazon Although "Think and Grow Rich" was originally published in 1937, its wisdom has stood the test of time. In the book, author Napoleon Hill presents his laws of financial success, which are drawn from his analysis of the lives of millionaires like Andrew Carnegie and Henry Ford. The updated version also features contemporary successful figures, like Bill Gates and Mary Kay Ash. 5/11 5. 'Secrets of Six-Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life' by Barbara Stanny Stanny interviewed 150 women who made between $100,000 and $7 million. Amazon After conducting extensive research and interviewing hundreds of women who earn six-figure salaries, Barbara Stanny boiled down their insights to seven key strategies for achieving wealth. The journalist, motivational speaker, and financial educator discusses these methods in detail in "Secrets of Six-Figure Women: Surprising Strategies to Up Your Earnings and Change Your Life." For many people, saving more means earning more, and this book is a great place to start. 6/11 6. 'Unshakeable: Your Financial Freedom Playbook' by Tony Robbins Robbins is a life and business strategist who has coached more than 50 million people from 100 countries. Amazon New York Times best-selling author and motivational guru Tony Robbins collaborated with financial advisor Peter Mallouk for "Unshakeable: Your Financial Freedom Playbook." The book outlines how you can achieve financial peace of mind, boost your retirement savings, and make smart investments. 7/11 7. 'Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want' by Rachel Cruze Cruze shows you how to reframe your mentality about money. Amazon "Love Your Life, Not Theirs: 7 Money Habits for Living the Life You Want" is based on the concept that comparing yourself to others is a damaging habit — not only mentally, but also financially. New York Times best-selling author Rachel Cruze discusses how you can live the life you want by following seven core financial habits, like reframing the way you think about money, living on a plan, and avoiding debt. 8/11 8. 'The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich' by David Bach Find out Bach's secret to becoming a millionaire. Amazon New York Times best-selling author David Bach wrote "The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich" to address a question he had been asked repeatedly over the years: What's the secret to becoming a millionaire? His answer begins with an illustrative story of a couple making $55,000 a year who, through smart money management, put their kids through college, own two homes debt-free, and retired early with $1 million in the bank. He goes on to detail a practical system, complete with resources like websites and apps, that you can immediately put to work to help secure your finances. 9/11 9. 'The Financial Diet: A Total Beginner's Guide to Getting Good with Money' by Chelsea Fagan This personal finance book offers tips for making a budget, understanding investments, and dealing with credit. Amazon For younger readers looking to grasp basic financial principles, like creating a budget and managing credit, "The Financial Diet: A Total Beginner's Guide to Getting Good with Money" by Chelsea Fagan is a great choice. The author draws on expert advice to offer readers the tools they need to reach financial stability. It was named Best Book of 2018 by Refinery29 and was chosen as one of Real Simple's Most Inspiring Books for Graduates. 10/11 10. 'Broke Millennial: Stop Scraping By and Get Your Financial Life Together' by Erin Lowry Lowry shows readers, step-by-step, how to go from broke to financially savvy. Amazon A Washington Post "Color of Money" book club pick, "Broke Millennial: Stop Scraping By and Get Your Financial Life Together" uses humor, simple advice, and true stories to help young adults establish financial stability. Financial expert Erin Lowry addresses general money concepts, such as your relationship with money, as well as specific scenarios, like what to do when friends want to split a check evenly and you can only afford to cover the cost of your individual order. 11/11 11. 'You Are a Badass at Making Money: Master the Mindset of Wealth' by Jen Sincero Uncover what's holding you back from making money with Sincero's tips. Amazon New York Times best-selling author Jen Sincero urges readers to get past the stumbling blocks and fears that are keeping them from reaching financial success in "You Are a Badass at Making Money: Master the Mindset of Wealth." As someone who went through a positive financial transformation herself — going from living in a converted garage to jet-setting around the globe — Sincero has plenty of personal insights to share. In the book, she instructs readers how to tap into their natural money-making abilities, stop being victims to circumstances, and relate to money in a new way. Previous 1/11 Next SEE ALSO: 12 clever ways to save money every day, according to financial experts More: Features BI-freelancer Money Books Personal Finance financial advice BIStrategy by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links Recommended from the WebBabbelLanguage expert shares the secret to learning a language in 20 mins a dayBabbelUndoDrone 720XSelfie Quadcopter Shocks $country capitalized$. The Idea Is IncredibleDrone 720XUndoBlinkistThis Woman Reads 100 Books A MonthBlinkistUndoSave70.comHotels In Taiwan At Ridiculously Low PricesSave70.comUndoCruise-Compare.comIf you live in Tainan City you're eligible for these incredible cruise offersCruise-Compare.comUndoDelta WarsPlay this Game for 1 Minute and see why everyone in Tainan is addictedDelta WarsUndoForge Of Empires - Free Online GameThe Must-Play City Building Game of the YearForge Of Empires - Free Online GameUndowww.therapywithsaba.com4 Common Types of Prescription Drugs with High Addiction Potentialwww.therapywithsaba.comUndowww.bleubloom.com4 Healthy Smoothie Recipes To Make On The Gowww.bleubloom.comUndoTrips ShopPeople from Taiwan cannot believe these flight pricesTrips ShopUndo by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksVideos You May LikeJIM ROGERS: The worst crash in our lifetime is comingUndoThis London-based food truck only sells cheese sandwiches — here’s how they’re madeUndoA hair surgeon explains what's going on with Trump's hairUndoEverything we know about the mysterious SR-72 — Lockheed Martin's successor to the fastest plane everUndo by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links From The WebGrepolis - Online Free GameAre You Ready to Conquer Ancient Greece? Already 35 Million PlayersGrepolis - Online Free GameUndoVikings: Free Online GamePlay this for 1 minute and see why everyone is addictedVikings: Free Online GameUndo
n this revised and updated version, Ramsey distills his two decades of financial counseling experience into a seven-step plan

Books that will help you save more money - Business Insider

6 annotations

business and industrial

4333

For 27-year-old SAP consultant Rohit Madhav, it’s recent attacks on people of Indian ethnicity in America that made his parents cautious about his higher-education plans.
Such concerns are driving a decline in applications at some U.S. universities as Indians reconsider what has long been their first choice for overseas study
safety and doubts about a path to employment are being weighed instead
A path to employment is crucial for the many Indians who count on a mix of loans, scholarships and family savings to fund their overseas degrees
the greater impact to date has been on applications from India to undergraduate programs. Twenty-six percent of institutions in a recent poll reported a decline from India
Canada seems the preferred alternative,
U.K. saw Indian student numbers drop by about half to 19,485 in 2014-15 from 2010-11, according to data compiled on IIE’s website, after tightening its post-study visa norms

In Trump's Visa Crackdown, Indian Students Weigh Canada, Ireland - Bloomberg

7 annotations

immigration

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Added Zentner, who is bullish on economic growth in 2021, “We have got to get past a really big hurdle here. The winter of discontent, if you will. It’s not looking very good.”And sadly, even new stimulus checks wouldn’t be enough to stop the said discontent.
Nearly half of Americans polled said they are cutting back on holiday spending versus last year. Roughly 36% said they would spend about the same on gifts year-over-year. But, one-in-10 Americans conceded they will not spend money on holiday gifts for others at all this year.
Meanwhile, U.S. retail sales in October rose at their slowest rate since the spring, according to new data out of the Commerce Department last week. Retail sales rose a seasonally adjusted 0.3% in October, far slower than the 1.6% gain in September. Retailers such as Macy’s and Kohl’s reported very weak third quarters this week, too.
“I think there is a huge demarcation here we have to draw between what’s going on in the near-term [with the economy] — which we think is not going to be pretty — versus what things will look like getting further into next year,” warned Morgan Stanley Chief U.S. economist Ellen Zentner on Yahoo Finance Live.
About 53% of people surveyed would take the money and pay down bills, 43% said they would use it for necessities, 39% are inclined to rebuild personal savings and another 30% are keen on using the funds for their rent/mortgages. Only 22% polled said they would spend new stimulus checks on holiday gifts.
A fresh round of stimulus from a bickering U.S. government may do nothing more than plug a hole in the worsening finances of COVID-19 impacted households. In other words, those on the Street expecting a jolt to economic growth from rampant frivolous consumer spending could be quite misguided.

New stimulus checks may not trigger an economic jolt: Harris Poll survey

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The welcome news of better-than-expected growth figures in Britain was tempered by the increased likelihood of a rise in interest rates.
A former senior banker at HSBC was found guilty by a jury in New York of defrauding a client in a $3.5bn currency trade.
General Motors reported a $3bn loss for the third quarter, mostly because of a $5.4bn charge it booked related to the sale of its Opel and Vauxhall brands in Europe.
Following revelations that Russian provocateurs had placed divisive ads on American social media during last year’s election, Twitter announced changes to make such ads more transparent, and to allow users to see which ones are targeting them.
General Electric’s share price sank to a near five-year low
The Indian government announced a $32bn plan to recapitalise state-controlled banks

Business this week

6 annotations

business and industrial

5023

. The fourth biggest drop came on September 17, 2001, the first day of trading after the 9/11 terror attacks.
The Dow fell 1,175.21 points, the largest one-day point drop in history.
The previous holder of that dubious honor was September 29, 2008, when the Dow dropped 777.68 points after the first version of the TARP bailout program failed in Congress.
The drop extends losses from last Friday, when the index fell 665.75 points, the seventh largest one-day drop ever.
It's worth noting that these are point drops and not percentage drops. As the Dow has gotten steadily higher over the last several decades, larger point drops translate into smaller percentage drops.

Largest stock market drops in history - Business Insider

5 annotations

investing

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I like the job. But financially, it’s not doing it for me.”This according to Steve Rogers, a 61-year-old driver who told BuzzFeed News that he’s been on the platform about a year. His experience jibes roughly with the data Uber gathered on Detroit, where the typical full-time driver barely earned more than Michigan’s current minimum wage of $8.50 per hour.
In early 2015, a study commissioned by Uber found that drivers in 20 cities, including New York, Los Angeles, San Francisco, and Boston, were grossing around $17 an hour
Based on these calculations, it’s possible to estimate that Uber drivers in late 2015 earned approximately $13.17 per hour after expenses in the Denver market (which includes all of Colorado), $10.75 per hour after expenses in the Houston area, and $8.77 per hour after expenses in the Detroit market, less than any earnings figure previously released by the company.
But the $17-an-hour figure was based on data from 2014, when Uber rates in most cities were higher than they were in late 2015. It was also based on gross earnings and did not account for driver expenses

Uber Data And Leaked Docs Provide A Look At How Much Uber Drivers Make - BuzzFeed News

4 annotations

energy

www.buzzfeed.com

952

But he was testing out the prototype of a high-tech prosthetic arm with fingers that not only can move, they can move with his thoughts.
We changed the way we are sending that information to the brain so that it matches the human body. And by matching the human body, we were able to see improved benefits," George says. "We're making more biologically realistic signal
Keven Walgamott had a good "feeling" about picking up the egg without crushing it. What seems simple for nearly everyone else can b

Motorized prosthetic arm can sense touch, move with your thoughts -- ScienceDaily

3 annotations

body art

www.sciencedaily.com

4721

In the meantime, the consequences of missing payments can be dire — borrowers may have to pay extra in fines, could eventually fall into default and see their credit score take a hit.“Nothing is guaranteed until it’s really there,” said Griffin Rubin. “Don’t hold out for some decision to be made.”
“While we all want and hope for Congress to provide financial relief for borrowers that are struggling, we have to be mindful of the fact that we can’t hope and pray for Congress to pass anything in an environment that’s more politically divided than we’ve ever seen,” said Will Sealy, co-founder and CEO of Summer.
If you’re not sure what you should do or have a question about your specific situation, it’s best to contact your lender directly for help, said Griffin Rubin, adding that there’s no penalty to making a change before payments resume.“Just because you get set up doesn’t mean you have to make payments right away,” she said.
Unemployment deferment will generally pause monthly payments for a total of 36 months, but borrowers will have to reapply every six months and show proof of unemployment benefits and that they’re actively seeking work. Interest will also be paused but only for subsidized loans — it will continue to accrue for loans that are unsubsidized.
Those already on an income-driven repayment plan should make sure they’ve recertified before January, especially if their annual date was during the pause period. If you’re already on an income-driven plan and still can’t pay your monthly bill, recertifying or asking for a recalculation given your current situation can potentially lead to a lower amount.
Those on a standard repayment plan can switch to an income-driven one, which will generally lower monthly payments by increasing the time it will take to pay off the loan in full, said Bridget Haile, head of borrower success at Summer, a company that helps borrowers simplify and save on student debt.
For those who haven’t been negatively financially impacted by the pandemic, it may be a good time to increase monthly amounts to pay off their loans faster.“The name of the game is paying the least amount over time,” she said.
“It’s worth the investment of your time to make sure that you’re clear on what your plan is going forward, so that you don’t get caught off guard,” said Williams, who is also a member of the CNBC Financial Advisor Council.
After nine months of skipping student loan payments, borrowers may be out of the habit or used to putting cash aside for other things, such as building up an emergency fund or paying down other debt.
But it’s far from clear that another extension will come from Trump, and the government has been unable to reach a deal on any further stimulus in the meantime. Now, student loan experts are telling borrowers to brace for the pause to lapse and payments to restart in 2021.“Borrowers should sort of prepare for the worst and hope for the best,” said Betsy Mayotte, president and founder of the Institute of Student Loan Advisors.
If you’re like more than 37 million student loan borrowers, you probably haven’t made a single payment to your education debt since March, when bills were put on hold due to the coronavirus crisis.

The pause in student loan payments may soon end. Here's how to prepare

11 annotations

4421

When injected into people, it causes some cells to produce little pieces of this spike protein, which the immune system recognizes and develops antibodies and immune cells to attack. So when a vaccinated person is exposed to the real virus, the immune system is already primed to neutralize it quickly.
"The companies have developed specially designed, temperature-controlled thermal shippers utilizing dry ice to maintain temperature conditions of -70°C," they added."They can be used be as temporary storage units for 15 days by refilling with dry ice. Each shipper contains a GPS-enabled thermal sensor to track the location and temperature of each vaccine shipment across their pre-set routes leveraging Pfizer's broad distribution network."
The 150 clinical trials sites in United States, Germany, Turkey, South Africa, Brazil and Argentina will continue to collect information about efficacy and safety for two more years.1.3 billion doses expected in 2021"Based on current projections, the companies expect to produce globally up to 50 million vaccine doses in 2020 and up to 1.3 billion doses in 2021," they said.
"Approximately 42% of global participants and 30% of U.S. participants have racially and ethnically diverse backgrounds, and 41% of global and 45% of U.S. participants are 56-85 years of age," Pfizer said.
The Phase 3 clinical trial of the vaccine began on July 27. Pfizer said of 43,661 volunteers enrolled, 41,135 have received a second dose of the vaccine or placebo. The FDA said it wanted at least two months of safety tracking on volunteers after they got their second shots.
"The rapid protection this vaccine provides -- combined with its tolerability profile in all age groups studied so far -- should help make this vaccine an important tool to address the current pandemic," Sahin said in the release.
Pfizer said it will seek US Food and Drug Administration emergency use authorization "within days." BioNTech CEO Dr. Ugur Sahin told CNN's Frederik Pleitgen in an interview on Wednesday that the companies will file for an EUA on Friday."These data also will be submitted to other regulatory agencies around the world," Pfizer said in its news release. They plan to publish the data in a peer-reviewed scientific journal, as well.
"The only Grade 3 (severe) solicited adverse event greater than or equal to 2% in frequency after the first or second dose was fatigue at 3.7% following dose 2," the companies said. Older adults tended to have fewer adverse events and those they had were milder.
An independent group has been keeping an eye on results and side-effects. "To date, the Data Monitoring Committee for the study has not reported any serious safety concerns related to the vaccine," the companies said.
"There were 10 severe cases of Covid-19 observed in the trial, with nine of the cases occurring in the placebo group and one in the BNT162b2 vaccinated group." BNT162b2 is the experimental name for the vaccine.
"Efficacy was consistent across age, race and ethnicity demographics. The observed efficacy in adults over 65 years of age was over 94%," Pfizer and its German partner BioNTech said in a joint statement.
The company counted 170 cases of coronavirus infection among volunteers who took part in the trial. It said 162 infections were in people who got placebo, or plain saline shots, while eight cases were in participants who got the actual vaccine. That works out to an efficacy of 95%, Pfizer said.
A final analysis of the Phase 3 trial of Pfizer's coronavirus vaccine shows it was 95% effective in preventing infections, even in older adults, and caused no serious safety concerns, the company said Wednesday.

Pfizer and BioNTech say their coronavirus vaccine was 95% effective with no safety concerns - CNN

13 annotations

4315

for the past several months, other factors have lifted stocks to all-time highs.
But just to make sure, Business Insider spoke with the managers of three multibillion-dollar funds, and they all say the so-called Trump bump has faded. While they think any tax plan that Congress passes could renew the president's influence on stocks, they credit the records to factors outside the president's control.
a great deal is going right for the US market outside Trump. In fact, things are going so well — and investors are willing to ignore Trump to such a degree — that even escalating tensions over possible nuclear warfare can't stop stocks.
Here are the three factors to which the three are attributing the record-breaking stock market:
underlying economy has performed better than a lot of people expected.
There's not as much concern about the Fed aggressively raising rates.

Why the stock market keeps rising as Trump policies stall - Business Insider

6 annotations

investing

5286

隨著醫學專業畢業生因薪資低和工作強度大而選擇其他職業，該計劃面臨嚴峻考驗。
最近的一項調查結果顯示，中國將很難招到這麽多醫生。台灣國立陽明大學(National Yang-Ming University)的Angela Fan編制的數據顯示，在截止2015年的10年時間里，中國大學培養了470萬名醫學專業畢業生，而醫生總數只增加了75萬，增幅為16%
網民在健康界(Cn-healthcare)網站上評論道：“我們每月拿回家的薪水少得可憐……我覺得我們被逼成為賣藥的
工資低還是中國醫院普遍存在回扣現象的根源
中國國家電視臺中央電視台(CCTV)上月曝光上海有醫生每月從醫藥代表那裡拿1800元人民幣回扣，

中國五年健康規劃受制於醫生短缺 - FT中文網

5 annotations

1597

世界各地的避稅港就是靠這種複雜的資金流向，使外界需要花很大力氣才可以追蹤到錢跑到哪去
避稅與逃稅
避稅港一般都被稱為「離岸稅港」
全球最少有8%資產被藏起來。
你想少繳一點稅嗎？做一份三明治就行了，明確一點說，做一塊「雙重愛爾蘭和荷蘭三明治」。
一般人要少付點稅，只能透過避免付增值稅（Value-added Tax）、做一些以現金支薪的工作而不向稅務部門申報、或是入境時不向海關申報應繳稅的行李，例如香煙。這些屬逃稅，均屬違法。
賬簿上的技巧
解決方法在於透明度：建立一份全球性的記賬簿、禁止秘密銀行服務和用於隱藏公司擁有人身份的空殼公司和信託基金等。
約55%總部設在美國的公司會將自己的利潤轉經一些人們不太關注的地方，如盧森堡和百慕達等，美國國庫因此每年損失約1300億美元稅收。
解決方法是有的：各國政府可以商討跨國公司的營商流程中，每個國家應收取的稅款。

全球究竟有多少資產被隱藏在海外？ - BBC 中文网

10 annotations

www.bbc.com

5237

He has access to different types of investments (preferred stock, venture capital) that are often unavailable to non-wealthy people.
More than half of the company’s value is tied up in its stakes of Kraft, Coca-Cola, Wells Fargo, and IBM. Nearly 40% of Berkshire’s portfolio stems from the consumer staples sector, while another 30% is tied up in financials.
Buffett has said he hasn’t invested in tech because he doesn’t understand it. While it’s wise to avoid investing in something you don’t understand, it also means he’s missed out on some big gains over the years.
You’re Better Off With Mutual Funds and ETFs
investing like Warren Buffett isn’t easy, and an examination of Berkshire’s holdings indicates that average investors might not necessarily benefit by following his every move.
He Sometimes Invests With His Heart, Not His Head
He’s Missed Out on Technology
When tech took off in the 1990s, Warren Buffett was not on board. No big investments in Microsoft, Apple, or Cisco.
Warren Buffett is a great stock picker
But for most people, it’s foolish to try to invest in individual companies and expect to beat the broader stock market.
Mutual funds and exchange-traded funds offer the ability to invest in the broader stock market
Berkshire Hathaway’s investment motives, however, are far more complex. While it is focused on building wealth over the long-term, it also makes decisions to please its shareholders in the short-term. It makes acquisitions that don’t make sense immediately, but have a broader strategic valu

7 Reasons You Shouldn’t Invest Like Warren Buffett | MONEY

12 annotations

investing

time.com

6004

online banking
20,000 Tesco Bank customers have had money stolen from their accounts
The root cause of the attack is still to be disclose
This predominately occurs by phishing, where emails and text messages are sent to users pretending to be from official sources but in fact come from hackers.
either tricking users into following a link and entering them into a fake website
avoid clicking on any links within them.

Tesco Bank hack Q&A: Should you be worried about online banking? - Mirror Online

6 annotations

bank

www.mirror.co.uk

1486

Top wage earners last year made 5.05 times what their lowest-income counterparts took home, the widest gap in data going back to 1979,
The 2016 figures were reported by the Labor Department this week along with its fourth-quarter data from a survey of U.S. households.
whose weekly earnings exceed those of 90 percent of all full-time wage and salary workers, made at least $2,095 in a typical week last year, according to the report released Jan. 24. Those in the bottom 10 percent earned less than $415
While the economy has grown at a historically modest 2.1 percent rate on average in the current expansion that began in mid-2009
Whether paychecks also reflect less inequality in coming years is anyone’s guess.

U.S. Wage Disparity Took Another Turn for the Worse Last Year - Bloomberg

5 annotations

work

10504

The Dow Jones Industrial Average stockmarket index passed the 20,000 mark for the first time,
Prosecutors in Italy opened an investigation into accounting irregularities at BT’s subsidiary in the country. The British telecoms company now thinks the scandal will cost it £530m ($670m),
Royal Bank of Scotland set aside $3.8bn to cover a potential penalty from regulators in America for mis-selling mortgage securities before the financial crisis.
China’s economy grew by 6.7% last year (and by 6.8% in the fourth quarter), in line with the government’s target range for growth of 6.5-7%. But the veracity of official data has been questioned once again after the current governor of Liaoning province, in China’s industrial heartland, admitted that his region’s fiscal numbers had been fabricated between 2011 and 2014.

Business this week | The Economist

4 annotations

1598

CVS Health and its Aetna health insurance unit say they will collaborate with a “social care coordination platform” called Unite Us as part of a coming series of initiatives the healthcare giant is rolling out to address social determinants of health.
ough the health plans run by Aetna and CVS have networks of doctors and hospitals they don’t generally have the access to “so
“Out of about 6,000 waking hours in a year, most people only spend a handful in a doctor’s office or hospital,
Initially, selected Aetna Medicaid health members in Louisville, Kentucky, will be able to access these new programs later this year. Meanwhile, such programs and services will be available to Aetna’s “Dual-Eligible Special Needs Plan members” who are eligible for both Medicaid and Medicare in Tampa, Fla. and southeastern Louisiana.
Research has shown that providing safe and secure housing options can help improve health outcomes, particularly for individuals with chronic health conditions,” Dr. Garth Graham, vice president of community health & impact at CVS Health and president of the Aetna Foundation.

CVS Health Launches Social Determinants Provider Network

5 annotations

men's health

4353

home prices rose 5.9 percent year-over-year in the mont
20 largest cities, three reached their all-time highs in January: Seattle, Portland, and Denver
US home price gains reached a 31-month high in January, according to the S&P/Case-Shiller U.S. National Home Price Index.
Housing and home prices continue on a generally positive upward trend
small increase in interest rates isn't expected to dampen home buying

US home prices rise 5.9 percent to 31-month high in Jan: S&P CoreLogic Case-Shiller

5 annotations

energy

5032

Eighty-five thousand slots are availabl
Visa winners are chosen by a computer-generated lottery.
Overwhelmingly, India has been the biggest recipient of H1-B visas
H1-Bs allow employers – mostly high-tech firms – to hire skilled foreign workers for jobs in the United States for three years
71 percent of H1-Bs went to Indians in 2015
China was a distant second with 10 percent of the visas.
Outsourcing firms, which supply services to other companies, are controversial because they are not subject to a federal requirement

Thousands of Non-US Job Seekers Apply for H1-B Visas

7 annotations

immigration

www.voanews.com

1570

European Central Bank decided to extend quantitative easing for a further nine months to December 2017, but also to reduce the monthly pace of bond-buying from €80bn ($85bn) to €60bn beginning in April.
Speaking the Trump language, Boeing plugged the benefits of its deal for “tens of thousands” of American workers.
In the first multibillion commercial contract since 1979 between Iran and an American company, Boeing signed an agreement to deliver 80 aircraft to Iran Air for $17bn. Airbus is close to securing a similar contract
Rupert Murdoch launched another bid to buy Sky, Britain’s biggest pay-TV network.
Yahoo discovered another breach of its security systems. A cyber-attack in 2013 accessed the passwords and other information of more than 1bn users, twice the number of a similar hack of Yahoo’s systems that took place in 2014.
Amazon made its first commercial delivery of goods to a customer by drone,
Britain was the prime choice for Amazon to mark its achievement as regulators there have imposed fewer restrictions on drone tests than in America

Business this week | The Economist

7 annotations

1116

vaccines

As U.S. measles cases surpass 1,000, study finds that anti-vaxxers’ minds can be changed | MinnPost

1 annotation

disease

www.minnpost.com

4573

Total sales of $359.3 million was relatively in-line with analyst projections.
offerings. The company also benefited from price increases taken by franchisees, which helped to counteract persistent traffic weakness.
Dunkin’ Brands CEO David Hoffmann said in an interview with Yahoo Finance
The company lifted its full year earnings outlook to $3.02 to $3.05 a share from $2.94 to $2.99 a share previously.

Dunkin' CEO: Investments in the 70-year-old brand are 'starting to pay off'

4 annotations

company

4656

taking home 38% less today than they did 52 years ago. That’s insane, right?
In 1968 the minimum wage was $1.60, which sounds low, except that in 2020 dollars that’s actually $11.79, which works out to be $24,523 a year.
And fyi, that $7.25 an hour works out to $15,080 a year. Try living on that.
Yes, we’ve made a deal with the devil in our country, low wages in exchange for cheap goods, with the 1% getting a more than healthy cut.
It’s also worth noting that our economic inequality is the highest of any developed nation, which comes as no surprise to me.
America’s wealthiest families hold 79% of the nation’s wealth versus 60% in 1983. Or, “...upper-income families [have] 7.4 times as much wealth as middle-income families and 75 times as much wealth as lower-income families. These ratios are up from 3.4 and 28 in 1983, respectively.”
the richest families in America now take home 48% of aggregate income in the U.S. versus 29% in 1970, (with the top 5% fairing best of all.) Middle-class income fell from 62% to 43% over the same period.
The income and wealth gaps aren’t a fraud or hoax. The numbers don’t lie. In fact, let’s run through some of them.
What I’m describing of course is the income gap and the wealth gap, (the latter partly the result of that long-standing, sub-standard pay.)
Simply put: Money isn’t distributed equally enough in America anymore

America, we have a problem

10 annotations

4522

I see a lot of peers, young people, that say, 'I have got to buy a house because I have got to get into the real estate market because it is a great investment.' And then they take all of their money and they put it in a house, and then they put all of their income and they put it towards their mortgage,"
Katchen says new homeowners end up having to limit the amount that they go out with friends or visit their families because they are cramped by making payments toward their house.
There are better investments than real estate, Katchen says:
For me, that is a terrible investment, because you are buying this thing but sacrificing your life to do it,
After a couple years working at the consulting company McKinsey, Katchen joined his two friends in 2011 to grow their Y Combinator-backed start-up 1000memories, which turned smart phones into photo scanners.
Katchen is not alone in suggesting that young people think twice about home ownership. "Why is the goal in America always to buy a house?" asks Ramit Sethi, personal finance guru and author of The New York Times best-selling book "I Will Teach You To Be Rich," in a blog post.

CEO who manages $1 billion: Buying a home can be a terrible investment

6 annotations

buying and selling homes

8439

Solutions
One important challenge is what is known in economics as the free rider problem: If the knowledge produced by vaccine R&D is openly available, then this will lower the incentive for individual countries to invest in its generation. Another major challenge has to do with the question of whether, relative to market forces, central decision-making represents an effective way to identify promising vaccine candidates.
The challenge of motivating private investment in new vaccine development is compounded by the fact that the necessary expenditures carry substantial opportunity costs for big pharmaceutical companies.
, investing in a vaccine that meets these challenges is a daunting prospect.
In addition to the constraint of low ability to pay in important markets, a vaccine may end up not being profitable because of competition from other vaccine developers and potential substitutes in the form of effective antimicrobials and other biomedical countermeasures, such as monoclonal antibodies.
In addition to being expensive, vaccines typically take many years to develop, test, manufacture at scale, and distribute.
include the high costs and long time horizons involved, substantial risk of R&D failure, potential constraints on demand, the inherent difficulties of collective financing, and issues of political economy.
Challenges
The world needs robust mechanisms to advance the development, manufacture, and distribution of safe, effective, and affordable vaccines against diseases of epidemic potential, especially those that threaten primarily poorer countries.
Many observers have described a cycle of “panic and neglect” when it comes to investing in preventive measures against diseases of epidemic potential
The world’s continued failure to produce high-quality vaccines against tuberculosis, malaria, and human immunodeficiency virus—the three biggest infectious disease killers globally—and the lengthy delays witnessed in finalizing an Ebola vaccine despite early promise emblematize the shortcomings of the system.
However, the current model of vaccine R&D and manufacturing is significantly less effective for diseases that almost exclusively affect lower-income countries
‘Panic and neglect’
How do we make sure we are investing in the correct ounces? And how will we pay for these investments?
Our approach to vaccine finance is ill-suited to addressing epidemic ris

Vaccine Finance and Epidemic Risk – IMF F&D

15 annotations

www.imf.org

4509

He refers to psychology and behavior as it relates to greed versus fear
, I'll include a book that comes out in the first week of 2019
Mastering the Market Cycle: Getting the Odds on Your Side by Howard Marks
In Mastering the Market Cycle, Marks expounds on one of his "most important things" — studying market cycles and learning how to spot the next trend
, his commentary can be esoteric so I would recommend this book for a more advanced investor
Financial Independence (Getting to Point X): A Comprehensive Tax-Smart Wealth Management Guide 2nd Edition by John J. Vento
Vento walks you through all you need to achieve financial independence, or what he calls "getting to Point X." He covers every financial topic you can think of
Swedroe and Grogan's newest book Your Complete Guide to a Successful & Secure Retirement,

The 7 Best Money And Investing Books Of 2018

8 annotations

investing

7071

a recent slowdown in consumer spending, which has hurt growth, is likely temporary.
U.S. consumer confidence surged to a more than 16-year high in March
It looks likely that the recent spending data were held down by some temporary factors related to unusually mild weather and a delay in tax refund issuance
Recovery is what the survey indicates and, more to the point, the answers on jobs and income are rooted in current experience not expectations for what Trump will or won't do," said Steven Blitz, chief U.S. economist at TS Lombard.

Consumer confidence hits 16-year high in boost to economy | Reuters

4 annotations

work

www.reuters.com

1649

What Is Maximum Wage And How Does It Work?

What Is Maximum Wage And How Does It Work? - YouTube

1 annotation

www.youtube.com

1497

韩国新任总统
他将寻求找到改善韩半岛南北关系，与平壤和睦共处的方法。”
文在寅的态度只是与他的前任相比显得更站在中国一方。但从美方的视角看，此举将被视为他的政府正转向中国，
从朝鲜核危机，到已惹怒北京的美国导弹防御系统部署，文在寅面临着重新确立韩国影响力的压力
文在寅对英国《金融时报》表示：“除了更强的制裁和施压以外，如果我们全面推进积极接触，包括与北韩对话
萨德的部署还引发了中国的报复，中国担心其强大雷达将被用来监视中国的军事动态。自萨德部署的消息宣布以来的几个月里，中国针对在华开展业务或向中国进口商品的韩国公司加大了压力，其中很多公司（包括现代(Hyundai)和乐天(Lotte)）都感受到了痛苦。

韩国新任总统面对棘手外交选择 - FT中文网

6 annotations

6106

The changing environment amid the pandemic has led to a decline in global trade. Global trade is forecasted to decline between 13% and 32% in 2020, as per the U.S. Congressional Research Service depending on the depth and extent of economic downturn.
Regulatory changes mean that banks have to now charge more per transaction to clear their internal risk-adjusted return on capital employed thresholds. These changes have also tightened the high global recovery rates or low loss-given defaults being ascribed to many structured trade transactions like pre-payments, pre-export finance, thus making deals not lucrative at the current margins.
Many banks with no experience in the commodity finance business have entered the space lately and offered unsecured and cash-flow based medium- to long-term lending facilities
Commodity trade finance was considered as among the safest businesses for banks at one point in time
, has confessed to hiding about $800 million in losse
This decision by banks can be attributed to a certain set of micro and macro factors. “Key micro factors stems from the recent sizeable defaults by commodity traders in hubs such as Singapore, Dubai, and Switzerland, leading to a general collapse in confidence,
Commodity traders have been feeling the heat in the recent past on account of volatility in commodity prices compounded by reduced trade due to Covid-19
Banks have suffered losses to the tune of $9 billion from the $18 trillion commerce finance enterprise
Many banks are shedding jobs, restructuring or reducing their commodities business to cut risk.
Why Banks Are Exiting Trade And Commodity Finance

Why Banks Are Exiting Trade And Commodity Finance

10 annotations

www.bloombergquint.com

4601

Also, the study measured breath alcohol concentrations, which are on average 15% lower than blood alcohol concentrations
The study has some limitations. A person is unlikely to keep their phone strapped to their back, and changing its location, by carrying it or putting it in a bag or pocket, for example, could affect the results
By analyzing the data, the researchers found that 92.5% of the time, they could determine that a participant would have exceeded the legal limit of a blood alcohol concentration of 0.08
The sensors on the smartphones measured each participant’s acceleration, their movements from side to side, and their movements up and down.
Smartphones could represent an alternative: 81% of people in the U.S. own smartphones, and the vast majority of smartphones have sophisticated sensors that can determine if a person is drunk
While devices such as portable breath analyzers are available, there are barriers to their use: They are expensive, and social stigma may stop a person from using one on a night ou
Alcohol consumption can impede cognitive and motor performance — the ability to think clearly and move in a careful and controlled way. This increases the risk of harming oneself or someone else
According to the National Institute on Alcohol Abuse and Alcoholism, alcohol use is the third leading cause of preventable death in the U.S., behind smoking and issues concerning physical activity and diet
New research has found that a smartphone can accurately detect whether the person who has it is drunk, based on how they are walking
Smartphones measuring walk could detect drunkenness

Smartphones measuring walk could detect drunkenness

10 annotations

4431

After you make a good money decision, put it on autopilot. That way, you won’t forget to stash away money or pay bills
Automate everything
Think critically about how your mortgage or rent, along with the cost of your vehicles, fit your financial life.
Reconsider housing and cars
Your creditworthiness matters to your financial life, far beyond qualifying for a new loan. People with better credit live easier and less expensively. At minimum, learn about the main factors that affect your credit: payment history, credit utilization, credit history length and credit mix.
Monitor credit
Money advice online is abundant, but don’t forget about at-home digital access at your unsung public library. Beginners can check out the book “Personal Finance for Dummies.” Or you can consult Consumer Reports to get better products for the money you spend.
Deepen money smarts
Develop a plan for paying down debt. Two popular strategies: Pay extra toward debt with the highest interest rate (debt avalanche) or pay extra toward the smallest debts to wipe them out quickly and get a sense of accomplishment (debt snowball).
Plan debt payment
When a recurring expense makes the cut, try to get a better price — we’re looking at you, cable, internet and cellphone bills.
Assess spending
Calculate your current net worth (all you own minus all you owe); calculate a nest egg amount for retirement.
This is the obligatory recommendation to develop a household budget, perhaps using the 50/30/20 method to divvy up needs, wants, and savings or debt repayment.
Set goal
“What separates successful people from people who struggle financially is often how they spend the time they are given each day.
Smart Money Moves When Cash Is Tighter Than Time
“If you have time but no money, it's time to become the best version of yourself,”
optimize that extra time by making smart financial moves that won’t cost a dime.
Smart Money Moves When Cash Is Tighter Than Time

Smart Money Moves When Cash Is Tighter Than Time | Personal Finance | mooresvilletribune.com

20 annotations

mooresvilletribune.com

4428

Buffett said he was buying stocks a few weeks ago when he thought Clinton would win -- and that he continued to do so this week after she lost. He said stocks will be higher 10, 20 and 30 years from now and that would have been the case if Clinton won.
Nobody can grow the economy 4% in real terms over time,
Buffett said he understands why Trump won. Many Americans are resentful about the wealth gap in the country. Can Trump fix that? Buffett said he was skeptical of some of Trump's claims about how fast he can grow the economy.
He thought concerns the market would tank due to Trump were "silly."
Buffett said he's not worried about Trump trying to enact some of the more controversial things that he talked about in his campaign,
There are a lot of things said in campaigns that don't happen after the election,"

Warren Buffett on President-elect Trump: 'He deserves everybody's respect'

6 annotations

investing

1086

小額終身壽險
小額終身壽險自推出以來，日益為民眾所接受，還有 3 大原因，包括限定、CP 值高、投保門檻低
投保時民眾仍需就要保書的告知事項誠實告知體況

小額終身壽險　3關鍵吸引跨族群　投保兩事項別忽略

3 annotations

today.line.me

5201

Avoid masks with a valve in the front. That valve lets unfiltered air out, so it won't protect other people if you're contagious. And after all, protecting others is one of the main reasons to wear a mask in the first place.
air from the sides. Even so, surgical masks provide some benefit to the wearer as well: Laboratory testing has found that surgical masks block out 75% of respiratory-droplet-size particles.
. (Note: It has to cover your nose as well as your mouth.)
Researchers will tell you that masks won't provide full protection. And teasing out the science of masks will take time.
that this could dramatically reduce transmission of the virus and help prevent future waves of the pandemic
"The more people that were wearing a mask, the more protective it was," says MacIntyre, head of the biosecurity program at the Kirby Institute at the University of New South Wales in Australia. In other words, when everyone wore a mask, it protected the whole household.
The study found that in households where everyone was wearing a face mask indoors as a precaution before they knew anyone who lived there was sick, the risk of transmission was cut by 79%
It found that even loose-fitting surgical masks blocked almost all the contagious droplets the wearers breathed out and even also some infectious aerosols — tiny particles that can linger in the air
They're going to slam into the cloth mask. I think even a low-quality mask can block a lot of those droplets
but the stronger evidence is that masks protect others from catching an infection from the person wearing the mask. And infected people can spread the virus just by talking.
It's understandable if some people remain skeptical, since, at the beginning of the pandemic, public health officials in the U.S. said the general public didn't need masks. But that changed as it became clear that infected people can spread the coronavirus before they even show symptoms of COVID-19 or even if they never show symptoms
"I personally think that face masks are a key component of the non-pharmaceutical arsenal we have to combat COVID-19," says Shaman.
, if there is a policy around using face masks in place, it does actually come with a fairly large effect,"
While politicians spar over the topic, a growing number of scientific studies support the idea that masks are a critical tool in curbing the spread of the coronavirus.
People opposed to mask mandates have staged protests, and one local health official in Orange County, Calif., quit her job after receiving a death threat for a mask order.
Yes, Wearing Masks Helps. Here's Why

Face Mask Debates: Here's What We Know About The Science : Shots - Health News : NPR

16 annotations

4548

“Racism is a pandemic just like Covid-19 is a pandemic,” Casey said. “But we’ve been dealing with the coronavirus for, what, four months? We’ve had systematic oppression for 400-plus years.”
Some researchers have also linked the constant stress of being marginalized to a phenomenon called “weathering” – which accelerates ageing on a genetic level.
But pervasive discrimination within the medical system also contributes to bad health outcomes, she noted. “Black people aren’t believed when they’re in pain,” she said.
Housing segregation and racist housing policies have limited access to education and healthcare, and left minorities disproportionately exposed to toxic and cancer-causing chemicals in the water they drink, the air they breathe.
By focusing on health, activists were able to capture all the racist institutional and social structures that erode the wellbeing of Black and Brown people, Casey explained.
“If you declare something an emergency, you’re also saying it’s imperative to address the problem,” Agwu said.
In Cleveland, officials introduced the landmark resolution recognizing racism as a health emergency in early March, before the coronavirus pandemic had hit the city, and months before the demonstrators against police brutality took to the streets nationwide
Maternal mortality rates for Black women are two to three times greater compared to white women, and neighborhoods where the majority of residents are Black have the highest rates of lead poisoning.
Now, amid a national reckoning with entrenched inequality, lawmakers are finally hearing those alarms – and officially declaring racism a public health emergency
These declarations are “long overdue”, said Dr Allison Agwu, an infectious disease specialist and associate professor at Johns Hopkins School of Medicine. As a physician on the frontlines of the coronavirus pandemic, Agwu said she had been amazed at how quickly the medical establishment mobilized to develop diagnostic tests, and produce thousands of research papers seeking a treatment and vaccine
‘Long overdue’: lawmakers declare racism a public health emergency

‘Long overdue’: lawmakers declare racism a public health emergency | Society | The Guardian

11 annotations

www.theguardian.com

4516

The shared metrics and guidance will be incorporated into a number of initiatives and sites focused on COVID-19 response,
The idea is to take some of the guesswork out of the policy response at a local level, says Graeden, and offer a more standardized way to communicate the risk and the response options.
But in the absence of that clear guidance, this collaboration aims to fill the void.
, the risk levels are meant to signal the intensity of the effort needed to control COVID-19 and to trigger specific interventions
For the public, this means you can now compare the case incidence where you live to that of, say, a nearby county where you're considering going on an errand.
"It allows you to compare a rural area in upstate New York compared to New York City and have an apples-to-apples comparison for relative impact and relative caseload,"
This effort represents the consensus of eight institutions and more than a dozen individual experts who have agreed on these metrics.
What we really need is a shared vocabulary
This is by no means the only attempt to categorize risk levels across the United States. There are a number of frameworks out there using different measures. And that can lead to confusion, says Allen.
A community that has fewer than one daily new case per 100,000 is green. One to 9 is yellow; between 10 and 24 is orange; and 25 and above puts you in the red.
The collaboration launched these tools Wednesday, including a new, online risk-assessment map that allows people to check the state or the county where they live and see a COVID-19 risk rating of green, yellow, orange or red. The risk levels are based upon the number of new daily cases per 100,000 people.
"That's made it harder for people
"There hasn't been a unified, national approach to communicating risk
Green, Yellow, Orange Or Red? This New Tool Shows COVID-19 Risk In Your County

Where Are Coronavirus Cases Getting Worse? Explore Risk Levels County By County : Shots - Health News : NPR

14 annotations

4217

He further added the financial strains are another source of anxiety for many, and while his counseling center will aim to assist patients in whatever way they can, therapists also need to be compensated in order continue their work.
Local groups such as the Community Presbyterian Counseling Center (CPCC) and Discovery Counseling Center of the San Ramon Valley, for example, provide extensive teletherapy services for patients. Brent Robery, clinical director at the Community Presbyterian Counseling Center, now utilizes video teleconferencing for therapy sessions, a move many mental health professionals have taken due to the coronavirus pandemic. (Photo by Ryan J. Degan) "There have been studies done (on therapy sessions) that telehealth therapy is just as effective as in-person therapy," Brent Robery, director of the CPCC, told the Weekly. "Some therapists since the shelter in place have gone exclusively to (teletherapy)." Depending on the mental health situation a patient is dealing with, teleconferencing is not necessarily right for everyone; however, Robery explained that teletherapy still offers patients a beneficial, and socially-distancing conscious, experience. "It is different. For example, you're not in the same room with each other so you might not be able to see some physical responses. However, there is also the opportunity that if you are not in the same room as each other; people have the ability to feel more open because they are not feeling judged," he said. Robery explained that while at first patients and even many therapists were hesitant to try telehealth, recently individuals have become more receptive to the idea. In fact, after first seeing a drastic drop in referrals, over the past couple of weeks more and more patients have begun seeking out therapy and counsel
he has also documented increased feelings of isolation, depression and anxiety, as well as abuse among individuals.
Depending on the mental health situation a patient is dealing with, teleconferencing is not necessarily right for everyone; however, Robery explained that teletherapy still offers patients a beneficial, and socially-distancing conscious, experience
Any patients worried about access to prescribed medications are also encouraged to ask their health care providers about getting 90-day supplies as opposed to a 60- or 30-day supply
In some cases certain patients have been required to shelter-in-place with their abuser. "A concern that is a very clear interest to me is the person's mental health," he added. "One of the things that I am very concerned about at this time is the suicidal patient, the patient that is isolated and alone, the patient who is not available and able to access community resources, perhaps because they are older and shut in and they don't know how to access care." Kostalnick encouraged county health officials to take these issues into account when crafting policies related to the shelter-in-place order and to consider the full health of a resident, both physical and mental. "In my view, (for coronavirus coverage) there's been very rare occasions that I've seen any reference to mental health, especially in the news and media," he said. When it comes to the practicality of meeting with patients, while he does provide telehealth services for patients who are comfortable with meeting online, Kostalnick is still able to meet with patients in-person as an essential business but he did implement certain safety precautions outlined by the U.S. Centers for Disease Control and Prevention
"One of the things that I am very concerned about at this time is the suicidal patient, the patient that is isolated and alone, the patient who is not available and able to access community resources, perhaps because they are older and shut in and they don't know how to access care.
According to Kostalnick, as a result of the pandemic and subsequent isolating shelter-in-place order, many patients have had recurring feelings of depression and anxiet
isolation and depression have become commonplace due to the ongoing coronavirus pandemic, and local mental health professionals want residents who are experiencing these issues to know that they are not alone and help is available.
News Staying Healthy: Mental health care during lockdown

Staying Healthy: Mental health care during lockdown | News | PleasantonWeekly.com |

10 annotations

www.pleasantonweekly.com

4355

and a bigger premium is put on understanding these supply chains in more detail during these times
What role will supply chain management software play in the coming years for mitigating these vulnerabilities?
To stay ahead of potential security issues, we doubled down on messaging to employees and training our team to be sure they understood the importance of maintaining a secure environment, particularly when working remotely.
Another example of the benefits of staying on top of key technology trends is in regard to the current environment for cyber-security
One practical way I stay current on technology is by working very closely with our CIO, Rich Murr,
This is one of the reasons why I believe it’s vital that CFOs stay current on technology so that they can more effectively understand and use it to help the business adapt during times of change.
Technology is no longer a stand-alone function
How important is it for finance professionals to understand technology and to be comfortable leading enterprise-wide technology transformation initiatives?
Challenges we had to address to clear our path to success included connectivity in certain regions of the world where employees live, and how to effectively work in home environments where some of our employees were in close living conditions with extended families and potential distractions
Prioritizing customers is always important, but it becomes increasingly important during times of tremendous change and uncertainty
We needed to quickly but accurately re-plan our business for the remainder of the year and understand how to optimize the financial results while balancing the needs of our customers and employees
The business planning process during this time has had to be fluid and accelerated
Virtual collaboration tools have also been a valuable asset that should be utilized
Starting in March I have had a standing weekly All-Hands meetings with my entire organization, which is a great opportunity to maintain that line of communication,
Communications in a work-from-home environment are a prime exampl
I have found there are some key aspects to leading with a balanced but optimistic voice on a day-to-day basis
We must also ensure our voice is balanced with the existing reality and backed by dat
What crisis management plans did you have in place prior to COVID? What new plans did you put in place after the crisis hit?
we need to be able to carefully listen and understand what these needs are to be able to provide the optimal answer and solutio
It is also critically important to learn to listen
Anyone can read numbers off a scorecard or financial statement, but in today’s business environment, finance professionals need to be able to effectively tell the story behind these numbers and have that story resonate with others.
I spend a great deal of my time on activities that require good communication and relationship-building
Of course, accounting and planning need to be done well, but those skills need to be coupled with more holistic business-focused skills such as nurturing business partnerships, negotiating, effective customer-facing communications and strategic planning
The finance skills are now merely a ticket to entry, in my opinion.
In the course of your career, how have you seen the finance role evolve?
Saying that finance skills are now just the “ticket to entry” into the profession, Mehok went on to describe why the 21st century CFO needs to be a leader, communicator and strategist
Why The CFO Can No Longer Rely On Finance Skills Alone

Why The CFO Can No Longer Rely On Finance Skills Alone

27 annotations

4527

According to the National Institute of Mental Health, almost 50 million adults in the U.S. live with a mental illness. These illnesses include many different conditions, such as depression and anxiety, which vary from mild to severe.
Prof. Hampton believes that the problem with previous studies is that they focused on college students and other young people.
The results showed that certain groups of adults were more likely to experience higher levels of psychological distress. These people included women, black or African American people, and Hispanic people. Having less education, family income, or residential stability also increased people's risk, as did being unmarried.

Facebook may actually benefit adult mental health

3 annotations

internet technology

4450

target markets are people looking to replace an AC unit,
Ice Storage in First Quarter 2017
A form of storage that uses ice.
would save $500 a year on its electricity bill by optimally using the Ice Cub.
Some hot storage options exist for the household market, but no firm had attempted that for ice storage until recently.
the smaller offspring of the C&I-scale Ice Bear -- could blow open a whole new market for residential thermal storage.
It can fill the tank with ice in four hours. Then, on command, the system can switch from conventional AC to using the ice to cool the house for at least three hours
That’s a big deal for anyone who pays time-of-use rates or residential demand charges:
In markets where compensation for excess solar generation is dropping, this offers an efficient way to consume more of what the panels produce.

Ice Energy Will Launch Residential Ice Storage in First Quarter 2017 | Greentech Media

9 annotations

energy

www.greentechmedia.com

1005

77% -- made money this year, according to data shared first with CNNMoney by Openfolio,
The average investor made just over 5% in 2016, according to Openfolio.
Openfolio found that people who made a lot of money in the markets this year invested in hot tech stocks like Apple (AAPL, Tech30), Facebook (FB, Tech30) and Tesla (TSLA) and financial stocks, which made a huge upswing after Donald Trump won the election.
People who lost money tended to be holding some popular stocks that tanked this year, including Twitter (TWTR, Tech30) (down 30%), GoPro (GPRO, Tech30) (down 52%), FitBit (FIT) (down 75%) and Under Armour (UA) (down 30%).
So where's the market headed for 2017? The Wall Street "experts" still predict it will go higher, though for a smaller gain than 2016.
Other popular stocks this year were Facebook (also up 10%), Bank of America (BAC) (up 31%), Goldman Sachs (GS)(up 33%), Advanced Micro Devices (AMD)(up 300%), Amazon (AMZN, Tech30) (up 11%) and Netflix (NFLX, Tech30) (up 8%).
investors who are ending the year smiling had money in low-cost index funds (Warren Buffett's recommended investment vehicle for regular folks) such as Vanguard FTSE Emerging Markets ETF (VWO) (up 9.3%) and Vanguard Total Stock Market ETF (VTI) (up 10.6%).

77% of investors made money in 2016 -- and women beat men again - Dec. 30, 2016

7 annotations

1551

Mercer looked at 450 cities and then made a list of 230 cities that are the safest for workers.
10. Bucharest, Romania
4. Sofia, Bulgaria
2. Belgrade, Serbia
, one of the world's largest HR consultancy firms, releases its Quality of Living Index each year, part of which ranks the safest cities to live and work in.
Business Insider went to the bottom of the list to find the 12 most unsafe cities in Europe:
T=7. Rome
5. Budapest, Hungary
1. Kiev, Ukraine

The 12 most unsafe cities in Europe | The Independent

9 annotations

tourist destinations

923

But Japan isn't facing an imminent financial reckoning. Most of its debt is held by the Bank of Japan and other parts of the government. Not much is in the hands of foreign lenders.
Since Abe took power, Japan has fallen from 14th to 26th among Organization for Economic Cooperation and Development members in the World Bank's Ease of Doing Business report
Japan is the world's most heavily indebted rich country, with government debt more than twice as big as the national economy.
it also needs more cash to spend on social care for its already aging population.
Japan's unemployment rate is enviably low compared with those of some other major developed economies like France. But not all is well below the surface.
The country has been plagued by a series of huge corporate scandals in the past few years.

Japan election: Shinzo Abe's economy faces huge challenges - Oct. 20, 2017

6 annotations

tourist destinations

5335

Multiple economists have lowered their forecasts for third-quarter GDP,
As far as hurricanes Harvey and Irma, there certainly have been consequential effects on people's lives
the product rollout Apple has scheduled for Thursday could well be the biggest event.
Apple shares could take a hit. In fact, venture capitalist and former Apple analyst Gene Munster last week predicted the stock could be teed up for a drop of 10 percent or more following its massive rise over the past year
In the most recent American Association of Individual Investors survey, just 29.3 percent are bullish, or of the belief that the market will be higher in six months.
Neutral impact. Most things will remain unchanged in the economy." "An opportunity for energy companies to raise prices. Financial/insurance industry will take a hit."

Stocks this week: Three things to watch as Irma rips through Florida

6 annotations

investing

8400

許多人頻頻陷入財務困窘的根本原因在於：他們錯把債務當成資產買進。例如，賭上全部身家所買的房子，可能導致生活拮据；而再昂貴的跑車、再高檔的西裝，只要一離開店家，立刻就貶值。
要你扭轉用錢的習慣：先把收入用來建立自己的資產，像是投資股票、基金，再將股金、利息這些「多餘」的現金繼續用來投資，等到資本累積到一定程度之後，再來置產。
上進的上班族多半是這樣想的：只要把專業能力磨練得更強、努力工作，一定可以獲得升遷、提高收入，結果反而沒時間去搞懂理財知識和工具。這就是《富爸爸，窮爸爸》裡面提到的，「只有窮人和中產階級才會為了錢而工作，富人想的是如何讓錢為自己工作。」

窮人存錢消費，富人賺錢投資！一張圖看出金錢觀大不同｜經理人

3 annotations

6969

最重要的是一定要有自己的計畫，哪怕一個月只存個幾千塊也好，都一定要落實執行，直到養成了存錢的習慣，再加上一些投資技巧，存款的速度就會越來越快
從第一份薪水入帳後，他不管每個月拿到多少錢，都只留5000元不動，剩下的錢全部轉到別的帳戶，到了月底不夠用再自我調整
沒花完就累積到下個月轉出

1桶金不是夢！月薪4萬作業員 5年速存200萬「靠這招」

3 annotations

today.line.me

8397

The response from progressives was immediate and outraged. What is Simon & Schuster — reputable, legitimate book publisher Simon & Schuster — doing giving money to the guy who declared his birthday World Patriarchy Day? (
one that's flourished in the last decade especially. And as alt-right discourse becomes increasingly normalized within the conservative political sphere,

Milo Yiannopoulos’s book deal with Simon & Schuster, explained - Vox

2 annotations

books and literature

www.vox.com

1065

Other contributors also said that despite lockdown measures easing in their countries, they still tend to avoid public spaces, even though they miss regular human contact
For many people, regular day-to-day activities have started to feel like negotiating an obstacle course
For example, Adam from the U.K., who has hearing loss, said that while he is convinced that continuing to use face coverings in public is important in curbing the spread
Some contributors have pointed out that the “new normal” of taking extra prevention measures when out and about has unintended consequences, too
Many told MNT that they feared that a relaxation of restrictions had come too soon in their countries or states, leading to worries about further spikes in COVID-19 case numbers. Yet others expressed an eagerness for things to get back to a prepandemic normal as soon as possible
“I think people are definitely more scared this time. People are acting more erratic — you can see that on the roads, at the shops,” one Australian told the BBC
Media reports suggest that this has made Australians anxious and worried about what the future might hold.
Italy had already started opening businesses in May and continues to relax restrictions
Asian countries have also gradually been easing restrictions since June. However, China has placed some neighborhoods in Beijing into lockdown once again, after the authorities reported some spikes in COVID-19 cases in parts of the capital.
European countries are steadily opening up businesses and lifting travel restrictions, though spikes in COVID-19 cases continue to occur at the local level.
and the Department of Defense had started approving some travel between states, and even internationally, tensions are now on the rise again.
“Let me [be] blunt,” he said in the briefing. “Too many countries are headed in the wrong direction. The virus remains public enemy number one, but the actions of many governments and people do not reflect this.”
What does life in a 'post-lockdown' world look like

How is the world faring 4 months into the pandemic?

13 annotations

4507

整合了施羅德投資團隊的集體智慧，整理出以下幾個主題：
我們看到的主要風險在於通貨膨脹的上揚
我們在多元資產投資組合中仍相對偏好股票
事實證明，市場並沒有受到這些因素的影響，利率和市場波動都仍接近歷史低點，而股市則不斷創下新高。
在中國方面，評價面看起來並不便宜，房地產市場的去槓桿、以及原物料成本的上揚對企業利潤都是不利因素
假設政策的制定者可以通過控制通貨膨脹來保持經濟復甦力道，我們不應該太過擔心全球債券的下方風險。當然，通貨膨脹的動向是重點。
抱持著謹慎樂觀的態度

施羅德投資集團執行長：2018年依舊適合投資 - 全球財經關鍵現場

7 annotations

schroders.cw.com.tw

7330

“But one thing we just can’t get past is that on the institutional side, positioning in Nasdaq futures has recently started to decline after returning to its 2014-2015 highs.”
“Normally, we’d look at this data and say its time to hold your nose and buy stocks, since extreme periods of negative sentiment tend to be good buying opportunities for longer term investors,
“Both institutional investors and retail investors (the high net worth crowd) remain fairly pessimistic
RBC finds the market right now is actually more expensive than during the tech bubble peak of 1999.
We continue to see downside risk to the US equity market in the back half of the year. Valuations are frightening, with one of our models now above Tech bubble highs
“Against this puzzling backdrop, we are raising our year-end 2020 S&P 500 price target slightly to 2,900 from 2,750
noted that optimism around vaccine development and fiscal stimulus are clearly carrying the day for investors.
one cautious Wall Street analyst reiterated the risks facing investors right now and still made the case for an 11% drop in the market by year-end.
Despite muted gains on Tuesday, the S&P 500 is now less than 5% below its record closing high from mid-February
The stock market continued its climb on Tuesday
‘Valuations are frightening
Why one strategist thinks stocks can fall 10% by year-end:

Why one strategist thinks stocks can fall 10% by year-end: Morning Brief

12 annotations

4450

舊金山——在過去的兩年裡，不同的派系一直在為控制虛擬貨幣比特幣(bitcoin)及其全球計算機和支持網路而激烈競爭。
比特幣現金(Bitcoin Cash)。
Ethereum、Ripple，以及Litecoin
世界上最大的經營比特幣挖掘的商家是一個叫Bitmain的公司，這家公司是ViaBTC的主要投資者。
核心開發人員已經提出了自己的解決方案，他們希望通過被稱為Segregated Witness或SegWit的軟體來增加系統中的交易數量。

比特幣走向分裂，新虛擬貨幣即將誕生 - 紐約時報中文網國際縱覽

5 annotations

books and literature

cn.nytimes.com

5418

Many teenagers actually want their parents to get more involved in their online worlds
After Victoria Beckham made a TikTok video with her son, Romeo, the clip went viral.
in their kitchen in November went viral and got more than 200,000 likes.
Laughing and being goofy with each other has helped our family bond, but these exchanges are meant solely for the five of us, and we're mindful not to screenshot or forward content to anyone outside of our family, which might embarrass one of us.
When Romeo joined the free social media app, which allows users to watch, create and share short videos, he wanted to stand out from the rest of TikTok's more than 1 billion users. He figured dancing with his famous mom would do it.
"Parents can get involved in their child's online life in ways that align with their family' core values," said Jordan Shapiro, author of the book, "The New Childhood; Raising Kids in a Connected World."
As I read more about TikTok, I learned that Beckham's hardly the only celebrity parent using the popular app to bond with her children. Courteney Cox, Kourtney Kardashian, Britney Spears, and Mark Cuban also all use TikTok with their kids.
Interestingly, many kids feel their parents don't care enough about their online lives, which is a missed opportunity, Graber said.
We hear so much about the dangers and problems online, but social media isn't all bad," Graber told Insider. "It's supposed to be social. Watching these videos of Victoria Beckham dancing and laughing with her son reminds us of the positives."

Victoria Beckham's TikTok video got me and my teen into the app - Insider

9 annotations

www.insider.com

4515

If you're not sure how to diversify, you can simplify things by investing in index funds
An S&P 500 index fund, for example, essentially lets you invest in the 500 largest companies trading on the market today.
Having a diversified portfolio is essential to investing during a recession, so if you don't have a solid mix of stocks right now, take the opportunity to make some changes
3. Not having a diverse enough portfolio
ask yourself whether you're getting a lower price than before, and whether that stock is likely to go up.
Therefore, if you see a stock on your wish list available at a discount, don't wait too long to pull the trigger on buying it, or you might lose the opportunity for good
Back in mid-March, when stocks plunged into bear market territory, some investors held off on buying, thinking they'd wait for the market to bottom out even more
But if your goal is to snag the absolute lowest stock prices out there, you're likely to fail.
2. Trying to snag the lowest stock price
As such, unloading stocks the moment they falter is a bad idea. Instead, take losses on paper or on screen in stride, and prepare to see a lot of them
And while seeing your portfolio tank on screen or on paper can be extremely upsetting, one thing you must remember is that you don't lose money during a recession until you actually go and sell your investments at a loss.
be sure to steer clear of the following mistakes
. Dumping your stocks the moment they lose value
Now to be clear, investing during a recession is a smart move that could pay off in the long run.
We're in a recession, which means you'll need to be even more careful than usual when it comes to investing your money
3 Investing Mistakes to Avoid During a Recession

3 Investing Mistakes to Avoid During a Recession | Personal Finance | independenttribune.com

16 annotations

independenttribune.com

4154

Moderna announced last week that the vaccine will begin its largest study, involving 30,000 people, on July 27. It is expected to be the first U.S. vaccine to enter phase three trials
today's data increases our confidence that the vaccine will work and allows us to continue our plans to manufacture the vaccine at scale for broad and equitable access around the world,"
Those who received two doses of the vaccine produced the strongest immune response.
The Oxford researchers, who are partnering with drugmaker AstraZeneca, found no safety concerns from the vaccine
While the study authors cautioned that more research needs to be done, the vaccine produced an immune response in healthy people aged 18 to 55
A potential coronavirus vaccine being developed in the U.K. prompted a strong immune response in an early trial, according to new research.
Emerging data found no safety concerns about the vaccine,
Potential Oxford Coronavirus Vaccine Prompts Strong Immune Response in Early Trial

Oxford Coronavirus Vaccine Prompts Strong Immune Response in Early Trial | Health News | US News

8 annotations

www.usnews.com

4324

Google spokesperson denies that saying the claims are "simply false." T-Mobile and Sprint are still attempting to get Justice Department approval for their $26 billion deal.
fourth U.S. wireless carrier.

Business and Finance News Videos

2 annotations

investing

4667

In recent years, Black celebrities in sports and entertainment — like former NBA star Ron Artest, radio personality Charlamagne Tha God and actress Taraji P. Henson — started openly advocating for the importance of mental health screening and support.
Can't you refer me to a Black psychiatrist?' And because there are so few of us, I'm limited in how many of those people's referrals I can make to their satisfaction,"
"I do think changing the workforce and changing the face of the workforce is probably the most critical thing that we can do now to start to address some of these issues," Shim says.
For many Black patients, access to mental health treatment often comes in places of last resort: Jails, schools, emergency rooms
' we misdiagnose young people with things like 'conduct disorder' instead of the result of chronic trauma from racism," because many physicians haven't experienced it, Shim says
Misdiagnosis of Black people, Shim says, is still prevalent today — often by non-Black doctors who misread emotional cues like anger.
The need for mental health support, in other words, is great.
She worries most about Black girls, for whom suicide risk is increasing — not just among teenagers, but among preteens as well.
"We haven't been asked to publicly bear our pain as frequently as we are now, and we haven't had to witness other Black folks publicly baring their pain about it as frequently as we are now
Meanwhile, the economic barriers to accessing mental health care have only increased.
The need for mental health support is more evident than ever, especially among Black Americans, say people who study and experience the burden of racism
"Finding a Black therapist really saved me some time, and there was more connection, in terms of the kinds of struggles that I might feel or the the kinds of ways I might think about certain scenarios," Koerber say
'Bear Our Pain': The Plea For More Black Mental Health Workers

Black Americans Face Higher Barriers To Getting Good Mental Health Support : Shots - Health News : NPR

13 annotations

4085

. "I think we are readily capable of receiving data on a daily basis and reporting those daily data out in a very timely way and making those data available at a pace that is no quicker via the other means of reporting," he said.
Caputo of HHS said in a statement the new system was faster than the CDC system, which has "at least a week lag in reporting hospital data,
"I'm very surprised that we are being mandated to report into a parallel system when hospitals have gotten used to reporting into NHSN. It's adding burden at a time when hospitals again are now responding to the surge of COVID-19," she adds, "The timing couldn't be worse, to be honest."
She adds that the existing system that went to the CDC seemed to be working well. "NHSN is a system that we trust," Pierre says. "It's been around for a long time. It functions very well. It's been built to accommodate all sorts of hospital or health care associated infections, including COVID-19."
Pierre says she does not think that this change will make things easier for hospitals. "No matter how user-friendly and innocuous the system is, there will be a period of time where we have to learn about it, how to use it, how to integrate it into our normal daily workflows,"
"It was very surprising — shocking even, I would say — for many of us to realize yesterday that we would be now required to report to HHS on [this new] platform," says Cassandra Pierre, acting hospital epidemiologist at Boston Medical Center.
"It's entirely unclear why the Trump Administration has asked states and hospitals to upend their reporting systems in the middle of a pandemic — in 48 hours nonetheless — without a single explanation as to why this new system is better or necessary,"
The new system was set up by TeleTracking, a private company based in Pennsylvania, which was awarded the $10 million contract in a non-competitive bid in April.
As of Wednesday, July 15, hospitals are being instructed by HHS to shelve that system, and instead to report to a new site set up by HHS using a private contractor.
Since March, hospitals have reported daily information on the availability of hospital beds, ventilators, and personal protective equipment to an established data collection network run by CDC called the National Healthcare Safety Network or NHSN, which has operated for years.
But a top career scientist at the CDC in charge of collecting and analyzing COVID-19 data from hospitals says the new reporting system ignores the agency's valuable expertise and disrupts CDC's decades-long relationships with hospitals.
Redfield defended the change in a call with reporters Wednesday, saying it was designed to "streamline reporting.
"It's really hard not to see this as some kind of interference or snub [to] the CDC," says University of Arizona epidemiologist Saskia Popescu. "With so many concerns over the politicization of data right now, this is concerning."
Public health experts expressed dismay and confusion over the reporting change because of how it could disrupt public access to the data
"The President's Coronavirus Task Force has urged improvements for months, but they just cannot keep up with this pandemic."
"The CDC's old data gathering operation once worked well monitoring hospital information across the country, but it's an inadequate system today
health care experts that the administration was hobbling the ability of the nation's public health agency to gather and analyze crucial data in the midst of a pandemic.
But hospitals must now report that information to the Department of Health and Human Services, which oversees the CDC.
From the start of the pandemic, the CDC has collected data on COVID-19 hospitalizations, availability of intensive care beds and personal protective equipment.
White House Strips CDC Of Data Collection Role For COVID-19 Hospitalizations

Hospitals Must Report COVID-19 Data To New System Instead Of CDC : Shots - Health News : NPR

20 annotations

4503

Covid-19 forces the world’s most complicated paper chase to modernise
Finance & economicsJul 4th 2020 edition
Trade finance stumbles into the digital era

Collateral damage - Trade finance stumbles into the digital era | Finance & economics | The Economist

3 annotations

4152

among people aged 20 years and under, a probable 81.9% would present no symptoms following infection with the coronavirus.
of the 2,824 individuals with known coronavirus infections, only 876 (31%) had presented any symptoms.
Of these, 2,824 individuals had laboratory-confirmed SARS-CoV-2 infections.
5,484 individuals
This work allows us to clearly show the difficulties in identifying infections with surveillance since the majority of these are not associated with respiratory symptoms or fever,
The rate of likely asymptomatic carriers of the coronavirus could have important implications for viral transmission, the study authors point out.
COVID-19: Over 80% of young people may show no symptoms

COVID-19: Over 80% of young people may show no symptoms

7 annotations

4487

Being honest and direct is actually a way of teaching your child to feel hopeful, he says. "Hope isn't about pretending that everything's OK; it's about recognizing that things can be very, very difficult and that in the midst of all of that
Build a hopeful vision of the future
And be honest, he says, when talking with your child no matter what their age
When children are clearly sad or upset, the best gift parents can give them is time, says psychiatrist Joshua Morganstein, spokesperson for the American Psychiatric Associatio
Have open and honest conversations
Encourage hobbies
There are ways for kids to maintain friendships even with all the necessary precautions to avoid transmission.
Support kids' friendships
Not long after the pandemic began, Evelyn built a fort for herself "a little cozy corner in her room that's totally enclosed with a Harry Potter cape and a Portuguese flag and some other fabric," says Pavao-Zuckerman
Create soothing spaces
Shift focus from your child's worrisome behavior, says Alvord. Instead pay attention to what's going right and reinforce it
Focus on what's working
Of course, staying calm clearly isn't always easy and often requires a conscious effort. Create a mini break for yourself to reset your own stress levels.
That's because, she says, children and teens pick up the level of stress in their parents.
So what are parents to do? The first step in helping your child, she says: Look inward.
Model calm
What parents need to be on the lookout for, says Alvord are behavior changes that affect day-to-day functioning.
She says anxiety can cause stomach aches and headaches, especially among older children.
During these stressful times, children may also experience behavior changes like moodiness, anger and even tantrums
A number of Jernigan-Noesi's friends tell her their children, 8, 9 and even older are suddenly clingy, following parents around the house, asking them to sit in the bathroom while baths are taken and teeth are brushed
As a child psychologist, Jernigan-Noesi knows that when children are emotionally distressed, they may revert to behaviors from earlier childhood.
Parents may be stressed themselves, but there are ways to help kids feel better.
Kids Feel Pandemic Stress Too. Here's How To Help Them Thrive

How To Help Kids With Anxiety During The Pandemic : Shots - Health News : NPR

23 annotations

economictimes.indiatimes.com

4493

I have always thought of saving money the same way. While it would be nice to spend it on something that would give me pleasure, there really isn’t anything important that I don’t already have.
Why I need to save more.
The numbers look a lot better if I don’t retire until I reach 70. Delaying Social Security until then would give me around $4,000 a month
I would receive from Social Security now, or even with the roughly $4,000 I would get if I delayed taking them until I turned 70.
Even better, for every month I wait beyond age 66, the monthly benefit goes up 0.66 percent, which works out to be 8 percent a year. (For an excellent primer on how to how to think about applying for Social Security benefits today, see Mark Miller’s “Taking Social Security in the Pandemic: What to Know” which ran in The Times in April.)
But during my long quasi lockdown, I realized that the money might come in handy, and I became curious about how much I might receive
Make a plan for Social Security benefits.
From now on, I am going to put all extra payments toward the one with the highest interest rate, the home equity loan in New Jersey.
I’ll manage my debt more aggressively.
The goal is more to create peace of mind than to increase my net worth
The standard personal finance advice is to have at least three months of living expenses stashed away in something liquid and ultrasafe, “just in case.
I’ll try to keep even more cash on hand.
But now that things seem to be slowly inching toward normality, I am planning to learn from this crisis and do some major tweaking of my finances
Personal Finance Lessons From the Pandemic

Personal Finance Lessons From the Pandemic - The New York Times

14 annotations

www.nytimes.com

4581

the organization is preparing a scientific brief on modes of transmission that will be released in the coming days.
WHO's guidance says the virus is primarily spread by large airborne droplets that are emitted through coughs and sneezes and quickly fall to the ground after being discharged
The World Health Organization on Tuesday acknowledged increasing evidence about airborne transmission of the coronavirus following a letter from scientists urging the group to update its guidance on the spread of the virus.
WHO Acknowledges ‘Emerging Evidence’ About Airborne Transmission of Coronavirus

WHO Acknowledges ‘Emerging Evidence’ About Airborne Transmission of Coronavirus | Health News | US News

4 annotations

www.usnews.com

4360

“We don’t have the social contract we need,” he noted. “It’s much harder to be successful in America because we don’t believe everyone deserves things such as health insurance, jobs that pay a living wage and sick leave.
warned that the country’s inability to address these issues and build an adequate safety net is also now complicating the effort to control the coronavirus.
the Trump administration has been working since 2017 to roll back the rules under pressure from the food industry.
Meanwhile, even small efforts to tackle public health challenges like removing sodas and junk food from school vending machines have proved to be monumental tasks requiring years of advocacy
The roots of these imbalances run deep in American healthcare, dating back to efforts by physicians in the early 20th century to maintain control of medical care against a rising public health movement championed by government reformers.
Other wealthy nations invest up to twice as much on primary-care services and have substantially lower overall healthcare spending
“If there is a new medicine, there is just an assumption that it will get paid for, no matter the cost. But every public health policy requires a cost-benefit analysis that must show it not only improves health but saves money.”
America spends more than $237 billion a year on medical care for people with diabetes, for example, much of it to control a disease that can be prevented or mana
“It must be done by people working together on behalf of themselves and others. In a fiercely independent culture, that is very hard to undertake.”
“Public health is a quintessential public action
Similarly, the long-standing American resistance to public health measures hampers efforts to restrain diabetes, heart disease and other chronic illnesses that are driving hundreds of billions of dollars of medical spending.
his impulse to look for the latest and greatest medical intervention reflects a strong tradition in American healthcare that has long put a premium on new drugs, bigger medical systems and more technology, often at the expense of public health initiatives that other nations have shown to be more effective at lower cost.
It’s not just coronavirus: America repeatedly fails at public health

Not just coronavirus: U.S. repeatedly fails at public health - Los Angeles Times

13 annotations

www.latimes.com

4145

Transactions at any other banks' ATM at metro locations:
Transactions at a bank's own ATM at any location: Minimum of five free financial transactions in a month, irrespective of the location of ATMs. Any number of non-cash withdrawal transactions will be provided for free.
Restrictions on ATM withdrawals are back
The government has announced various measures to lighten the financial burden on the common man caused by the coronavirus-induced lockdown.
Five personal finance changes effective from July 1

personal finance: Five personal finance changes effective from July 1 - The Economic Times

5 annotations

4461

Amidst all of the pain, isolation, and destruction of the past six months, it’s not worth it to add on to the strain with two hours of excess Twitter every night
Feeling informed can be a salve, but being overwhelmed by tragedy serves no purpos
. The act of doomscrolling, then, is to roll toward annihilation. Or, to borrow a phrase from Joan Didion (writing during America’s last traumatic, generation-defining year, 1968), it is an act of slouching toward quietus.
Social media is helping people stay connected during lockdown, and as the conversation shifted away from Covid-19 and toward racial justice and the Black Lives Matter movement, it's become a tool for active engagement—spreading news about protests, bail funds, community resources—rather than just a forum for the passive consumption of pandemic updates. Yet the late-night digging, the endless reading of bad news, is draining.
Being able to participate in, and then opt out of, excessive social media use is, she notes, a privilege, which is why, when it comes to social media, many black users turn to Verzuz battles on Instagram Live and other forms of black joy as an act of resistance.
“So, doomscrolling can lead to the same long-term effects on mental health unless we mount interventions that address users’ behaviors and guide the design of social media platforms in ways that improve mental health and well-being.”
The doom and gloom isn’t all the media’s fault, though. Mesfin Bekalu, a research scientist at the Lee Kum Sheung Center for Health and Happiness at Harvard’s T. H. Chan School of Public Health, notes that while a lot of the news is bad, “as humans we have a ‘natural’ tendency to pay more attention to negative news.”
“Combine that with the fact that, socially, many of us are not going into work and standing around the coffee maker engaging in collective sense-making, and the result is we don’t have a lot of those social resources available to us in the same way.”
it can also lead to anxiety and depression.
that means there's a “lot of demand on cognitive processing to make sense of this. There’s no overarching narrative that helps us.” That, she adds, only compounds the stress and anxiety they're already feeling.
this habit has become known as doomsurfing, or “falling into deep, morbid rabbit holes filled with coronavirus content, agitating myself to the point of physical discomfort, erasing any hope of a good night’s sleep.”
Doomscrolling Is Slowly Eroding Your Mental Health

Doomscrolling Is Slowly Eroding Your Mental Health | WIRED

12 annotations

www.wired.com

4400

Estimates by The Economist suggest that publicly listed firms, excluding state-controlled ones, account for 14-32% of the world’s total emissions, depending on the measure you use
One of the shortcomings of green finance might be called “materiality”. Some fee-hungry fund managers make hyperbolic claims about their influence, even as big-business bashers pin most of the blame for pollution on companies
Some 500 environmental, social and governance (ESG) funds were launched last year, and many asset managers say they will force companies to cut their emissions and finance new projects. Yet, as we report this week (see article), green finance suffers from woolly th
One question is the role it might play in decarbonising the economy.
Green investing has shortcomings

The trouble with climate finance - Green investing has shortcomings | Leaders | The Economist

5 annotations

4282

對失業工人提供新技能培訓的常見政策解決方案並不總是像政策制定者所想的那麼有效。戈爾茨坦寫道：「事實證明，在簡斯維爾及其周邊地區，職業再培訓並不是一條通往更多工作機會或更好薪資待遇的路。
其他入圍圖書——題材從硅谷的性別歧視到iPhone的歷史——的作者們每人都獲得了1萬英鎊獎金。這些圖書是：戴維•恩里奇(David Enrich)所著的《蛛網
今年的英國《金融時報》/麥肯錫年度最佳商業圖書獎(Financial Times and McKinsey Business Book of the Year Award)，頒給了一部講述美國一家工廠關閉給當地社區造成的影響的著作
這部作品考察了2008年通用汽車(General Motors)決定關閉威斯康星州簡斯維爾的一家裝配廠造成的影響，追蹤了工廠工人及其家人、當地政治人士、地區工會和企業的命運。
羅聞全(Andrew Lo)所著的《適應性市場》

2017年度FT/麥肯錫最佳商業圖書獎公布 - FT中文網

5 annotations

8039

Most vaccines are purely preventive, but this vaccine may also be able to treat an active case of coronavirus, the scientists adde
the vaccine uses genetic material called messenger RNA to trigger an immune response in the body. Once injected, the vaccine prompts the body to make proteins like those of the actual virus
the vaccine uses genetic material called messenger RNA to trigger an immune response in the body
but that start date has now been moved to August.
Animal studies of a potential COVID-19 vaccine have been so encouraging that researchers plan to speed up testing of the vaccine in humans.
Promising Results Mean Coronavirus Vaccine Trial Could Start by August

Promising Results Mean Coronavirus Vaccine Trial Could Start by August | Health News | US News

6 annotations

www.usnews.com

4367

Through this website, users can create their own graphics and workspaces of any aspects of these transition scenarios, such as macro-economic development, changes in energy consumption, or the exploitation of energy resources. Users can also download the full dataset, or just those parts of the data that they need to work with.”
The overall goal is to provide tools for central banks and supervisors, policymakers, and financial actors, who aim to make finance greener and thus more sustainable – both for its own sake and for the sake of the planet
These arise for example from policy changes or technological development in the process of adjustment towards a low-carbon economy. Both risk types can heavily impact economies across the globe. But how precisely and under what conditions – that’s what our scenarios will help to illustrate and explore.”
Climate-related risks are very real to the global economy
The transition scenarios explore future changes to the energy system and the global economy if climate targets are met or not, and whether the transition to a low-carbon future happens in an orderly or disorderly fashion.
ScienceJune 24, 2020 11:14 pm AESTDate TimeShare New scenarios to help global finance go green(adsbygoogle = window.adsbygoogle || []).push({}); (adsbygoogle = window.adsbygoogle || []).push({});A key role of central banks is to strive for financial stability
ScienceJune 24, 2020 11:14 pm AESTDate TimeShare New scenarios to help global finance go green

New scenarios to help global finance go green | Mirage News

7 annotations

www.miragenews.com

4070

those who want to buck the trends might want to consider searching for real estate outside the U.S.
Those looking for the absolute best bargain should head to low-key Mafra, 15 minutes from the surf-centric beaches of Ericeira. The charming town is home to white-washed homes and cobbled streets, as well as a small but lively downtown filled with cafes, bars, and one of the country’s largest national palaces.

5 Countries Where You Can Retire by the Beach for Less Than $1,500 a Month | Travel + Leisure

2 annotations

advertising and marketing

www.travelandleisure.com

4414

如果一個國家或城市沒有了自己的電影，我覺得是十分可悲的
擦鞋工業
士多

【博評影像】撐起半個香港的街頭小舖｜來稿｜香港01｜博評

3 annotations

www.hk01.com

1252

The best cities for job seekers
In terms of technology jobs, Austin, Seattle, Durham and Raleigh boast many opportunities. The latter two are near the 7,000-acre Research Triangle Park, which employs more than 46,000 high-tech workers
Durham is a health care hub, too, with Duke University and Health System employing tens of thousands. Nashville and Atlanta also are home to many health care companies.
The population in Minneapolis is particularly young, with nearly 22 percent of residents ages 20 to 29.

Here are the 10 best cities for job seekers in 2017

4 annotations

job search

mashable.com

1491

Online shoe startup Taft actually launched one during dinner
Sewing is done manually, as shown here. The upper is then attached to the outsole using a process called Blake-stitch construction
The old city center in Almansa, Spain, near the shoe factory.
Taft's traffic started spiking because of a favorable Reddit mention. "I realized if we missed that moment, we might not get it again," Kory says.

How a Viral Reddit Post Helped This Sock Entrepreneur Launch a $5.7 Million Shoe Business in a Day | Inc.com

4 annotations

running and jogging

www.inc.com

7535

7. Not consulting your financial advise
5. Taking fresh debt/leverage
6. Not reassessing your financial plan
Instead of timing the markets one should continue their investments based on existing financial plan.
4. Stopping your SIPs/investments
3. Shifting your investments from beaten-down asset classes to those where prices are elevated:
Avoid spending money on big ticket items during online sales from e-commerce companies until it is of utmost necessity.
. Taking your eye away from expenditure management
It is advisable to keep at least 3 to 6 months of your expenses as an emergency fund and putting those funds in highly liquid instruments such as liquid funds or fixed deposits
and hence investors should try to avoid the following mistakes
1. Inadequate rainy day fund:
In turbulent times like these, it needs no reiteration that investors should be very disciplined with their personal finance decisions
7 personal finance mistakes you should avoid in times of Covid-19

7 personal finance mistakes you should avoid in times of Covid-19 - The Financial Express

13 annotations

www.financialexpress.com

3977

focusing on where your company money is going is critical to staying on course through the rough waters ahead.
Be transparent, and continually talk to your employees about the company’s financial situation
Leveraging technology can allow you to offer new perks with minimal additional accounting effort.
Empowering them to do their jobs virtually will increase motivation and productivity at a time when you need to rely on your existing talent more than ever.
By holistically viewing the platforms used across your company, you can easily consolidate duplicate software purchases, cancel zombie subscriptions and renegotiate licenses that are up for renewal.
Identify tools with short implementation and rollout time frames that will yield results quickly.
Economic downturns demand that you consider investing in new solutions when they boost productivity.
Knowing where your money is going in real time is crucial in this market
It is easier to invest in projects that have unclear or extended payback periods when your company is growing. Now, during a crisis that could last 18 months, it might make sense to prioritize projects that yield a payback within that period.
Think Outside The Box
Empower Employees
Improve Productivity
Reprioritize Investments
How Finance Teams Can Deliver Quick Wins In Difficult Times

Council Post: How Finance Teams Can Deliver Quick Wins In Difficult Times

14 annotations

4536

Biden would also empower Medicare to directly negotiate drug prices, allow the importation of prescription drugs from abroad and extend tax credits to help tens of millions of Americans buy lower-priced health insurance.

Biden unveils health care plan: Affordable Care Act 2.0 - POLITICO

1 annotation

drugs

www.politico.com

4472

could hold the secret to better health and therapies
Spider venom could kickstart new therapies, while its silk may help researchers design better biomate
reporting that they had found a way of blocking the pain signal in mouse models of IBS
But spider venom is not the only focus in biomedical research. "Spider silks are the toughest biological material," says Jessica Garb, who is an associate professor in the Department of Biological Sciences at the University of Massachusetts Lowell.
tougher than steel, yet weigh much less

Surprising ways in which critters may advance research

5 annotations

disease

4361

photographer Johnny Miller set out to capture Mexico City's inequality from above. The images, taken by a consumer drone
For comparison, nearly half of the population lives under the poverty line. The wealth gap has widened in recent years
Mexico's capital city is one of the most unequal cities in the world.
Economic and political power are concentrated among the extremely rich. In fact, the wealthiest 1% of the Mexican population earns 21% of the nation's total income
the world's fourth richest person, calls Mexico City home. His telecommunications company, Telcel, controlled 70% of Mexico's wireless market in 2014
Here, a low-income neighborhood sits adjacent to private school grounds. "I think it's very clear, looking at that dirt soccer pitch, which side is the more affluent side," Miller says
Iztapalapa, Mexico City
Santa Fe, Mexico City

Drone photos of inequality in Mexico City - Business Insider

8 annotations

tourist destinations

Health And Medical Simulation Products Market 2019: Global Industry Share, Size, Share, Demand, Key Findings, Regional Analysis, Key Players Profiles, Future Prospects and Forecasts to 2026 - The Atlas Newspaper

12082

Global “Health And Medical Simulation Products Market” Research Report 2019 provides the main players of Health And Medical Simulation Products industry, their share of the overall industry, product portfolio, organization profiles are canvassed in this report.
2019 Global Industry report is a significant resource for industry administrators, marketing, sales and product managers, specialists, experts and stakeholders searching for key industry information with clearly presented tables and graphs. covers the latest market statistics, industry growth driving factors, size, share, trends, as well as Forecast till 2026
North AmericaEuropeChinaJapanMiddle East & AfricaIndiaSouth America
market To deliberately profile the key players and completely break down their development methodologies.

4 annotations

business operations

atlasnewspaper.com

4606

FedEx’s (FDX) top executive assailed current U.S. trade policy as more protectionist measures threaten to upend the courier company’s business plans and take a bite out of its bottom line.
“So clearly, we’ve been very disappointed over the last few years with the assumptions that we made on the growth in international trade, particularly with the Trump administration.”

FedEx CEO says trade war surprised him like a 'Mike Tyson' punch in the face

2 annotations

company

4514

The rainbow monsoon is here: June is LGBTQ+ Pride Month, and my feeds are flooded with colorful brand campaigns and slogans.

The LGBTQ+ Community Has $3.7 Trillion In Purchasing Power; Here's How We Want You to Sell to Us.

1 annotation

gay life

4772

better
Enhanced “book detail” page to help students pinpoint the exact content they need for research or classwork — at both the chapter and subchapter level — and access it online or download it for later use. Clear table-of-contents-level prompts for reading online or d

Products - Ebook Central®

2 annotations

operating systems

www.proquest.com

4110

Jack Ma revealed he has even been rejected from Harvard — 10 times!
He received more than a dozen rejections — including from KFC — before being hired as an English teacher.
Though his first two ventures failed, four years later he gathered 17 of his friends in his apartment and convinced them to invest in his vision for an online marketplace he called "Alibaba
Ma is a true rags-to-riches story
By October 1999, the company had raised $5 million from Goldman Sachs and $20 million from SoftBank, a Japanese telecom company that also invests in technology companies. The team remained close-knit and scrappy
The company's $150-billion IPO was the largest offering for a US-listed company in the history of the New York Stock Exchange.
The biggest day in the calendar for Alibaba is China's "Singles' Day," a retaliation to Valentine's Day which supposedly celebrates the country's singletons
He likes reading and writing kung fu fiction, playing poker, meditating, and practising tai chi.

How Alibaba founder Jack Ma became one of the richest people in China - Business Insider

8 annotations

business and industrial

uk.businessinsider.com

1760

As a professional money manager and a Berkshire shareholder myself, it struck me: Had anyone heard their guru suggesting that they look forward rather than behind?
The next day, Buffett repeated his view in a CNBC interview and noted the lack of attention they had received.
They are not like AT&T, GM, or Exxon Mobil, requiring lots of capital to produce earnings. We have become an asset-light economy.
A New Era of Value Investing
Buffett's comments received only passing mention in the press.

Buffett and 'Asset-Light' Investing | Seeking Alpha

5 annotations

investing

seekingalpha.com

7246

The Health & Medical Collection is a comprehensive medical information resource for researchers, students, faculty, and healthcare professionals. Inside users will find biomedical content from MEDLINE®, built on a core of premier scholarly journals in full text such as The New England Journal of Medicine, The Lancet, and The BMJ.

Products - Health & Medical Collection

1 annotation

medicine

www.proquest.com

4412

Chime reports big user growth, but rival Varo questions numbers

Chime reports big user growth, but rival Varo questions numbers | American Banker

1 annotation

bank

www.americanbanker.com

4505

When starting out on my real estate investing journey, I often found myself in exactly that situation. Either I would be incapable of reaching a decision or by the time I did, it was already too late. My hesitation resulted in losing out on what would have been amazing investments.
How To Analyze Potential Investments Without Getting Stuck
I always say that investors should strive to become more data-driven

Council Post: How To Perform Investment Analysis That Avoids Paralysis

3 annotations

4440

But the carbon economy remains dominant. Oil tycoons, industrialists, and car titans make up more than a quarter of the world’s 500 richest people
Privately held Enercon is one of the world's largest wind turbine companies with a 6% share of the global market for new onshore installations in 2018, according to its website. Wobben developed his first wind turbine in the 1970s and set up Enercon in 1984. The firm installed 54% of Germany's new onshore turbines in 2018
Net worth figures are as of Dec. 31, 2019 and are based on calculations by the Bloomberg Billionaires Index
Both firms have created a market for a meat replacement that doesn’t come with the environmental cost of livestock, which accounts for 14.5% of global greenhouse gas emissions.
Beyond Meat founder Ethan Brown and Impossible Foods CEO Patrick Brown (no relation) both own stakes worth hundreds of millions of dollars in their respective companies.
An Australian businessman has created a $7 billion net worth from recycling
A ten-figure stake in a hydrogen fuel cell trucking company has minted an American billionaire.
These are among the 10 largest fortunes derived primarily from the growing business of climate solutions
American startup Nikola Motor is developing hydrogen-powered trucks whose fuel costs will be 20% to 30% cheaper than diesel.

These Billionaires Made Their Fortunes by Trying to Stop Climate Change

9 annotations

4359

儘管254億美元的銷售額很大——碾壓去年的180億美元——但最終的銷售額會因退貨的存在而有所減少
光棍節」已成為全球零售業年曆中最重大的日子。在今年的「光棍節」，有逾7.77億件包裹被發運出去。

阿里巴巴「雙十一」成交額達254億美元 - FT中文網

2 annotations

5124

Here are seven expert investing moves for next year
By paying down that high-interest debt before you start investing, you can save money long term
Anderson reminds investors to stick with low-cost ETFs,
nvestment strategies shouldn't change year to year unless your personal financial situation has changed.
all down between 20 and 40 percent since January 2018.
financial experts have tips for navigating uncertain investing waters.

7 Expert Investing Moves to Make in 2019 | Investing 101 | US News

6 annotations

money.usnews.com

3949

the real issue is fear! There are a lot lies about investing people actually believe
The 2008 crash lasted for only 17 months. The market is up almost 380% in the nine years since the bottom of the crash.
When you invest money for the long-term – and that’s the only way you should – you’re playing the averages. And those always work in your favor.
, you should never invest in anything you can't explain to your grandmother.
The investment industry has made tremendous progress in the past few decades. Through the use of mutual funds, exchange traded funds (ETFs), online investing, and automated investment services, simple investment is now available for the average person.
people with lower incomes are less likely to invest. It's probably also a safe assumption people with a lot of debt also avoid it. But what about the rest?
If you invest in a diversified portfolio, which is the only way anyone should, there's historically no evidence you'll lose all your money.
If you simply ignored the crash, and held through it, not only would you not lose any money, but you'd actually be well ahead
You can cut your chances of losing all your money just by avoiding those two mistakes.
That's the bad news about that market. But there are actually two pieces of good news that are even more significant:
By not investing, you’re not preparing for retirement. And when you reach retirement age, you may be dependent on others to take care of you
The Consequences of Not Investing
A well-stocked investment portfolio is one of the best protections against job loss and other financial disasters.
A 2017 Gallup poll showed only 54% of Americans invest in the stock market, down from 62% in 2008

6 Lies About Investing People Actually Believe

14 annotations

investing

7110

higher education and researcher concentration
South Korea remained the big winner, topping the international charts in R&D intensity
The emphasis on research and development — the country stayed at No. 5 for the R&D spending sub-category — has helped Sweden weather the continent’s economic storms of the past several years.
Sweden owes most of its rise to improvement in the manufacturing value-added metric
Nordic neighbor Finland jumped two spots in large part because of the rise of high-tech firms
biggest loser in this year’s Bloomberg Innovation Index was Russia, plunging 14 spots to No. 26
Japan
moving to No. 7 from No. 4 as they lost their best-in-world distinction for patent activit

These Are the World's Most Innovative Economies - Bloomberg

8 annotations

tourist destinations

www.greenentrepreneur.com

5367

Marijuana and reduced workplace fatalities.
Another study found that consumers, led my Millennials, are lowering alcohol use in areas where marijuana is legal.

Study Finds Fewer People Are Dying on the Job Where Marijuana Is Legal

2 annotations

homework and study tips

4725

支撐中國經濟“超預期”表現的，仍然是房地產。房價在2016前三季度同比增幅超過10%，一線城市更是同比暴漲超過30%
去泡沫”的另一個副產品，可能是人民幣貶值
伴隨著房地產的火熱，螺紋鋼、煤炭、鋅、鉛，甚至是玉米和大蒜，都出現了價格暴漲。作為典型的產能過剩行業，螺紋鋼和煤炭的飈漲，似乎可以被認為是去產能出現重大成效。但漲幅以及蔓延速度之快，卻反映出資金的凶猛
再接下來，我們要迎接“滯脹時代”

2017：擠泡沫、熬杠桿、慢改革 - FT中文網

4 annotations

4320

This is true no matter what challenge you’re facing. Having a mindset that focuses on growth, opportunity, and the possibility of achieving your goals can help guide you to success. Likewise, having a mindset that’s locked in limiting beliefs about wh
A money mindset is a belief that you currently have about money. Usually, money mindsets aren’t conscious. You don’t usually decide what money mindsets we have, or how they impact your financial behaviors.
Money mindsets are developed based on your experiences. In other words, your culture and identity have helped to shape how you view money as an adult.
A client, Danielle*, recently dealt with an unhealthy money mindset that was impacting her long-term ability to succeed. She was a first-generation college graduate, and she started out-earning her parents at age 26
The overwhelming belief that you don’t deserve the money you’re bringing home, even after working hard to earn a degree and to succeed in your career development, can bleed into all areas of your life - and cause you to put yourself in risky financial situations.
Being self-aware as you make financial decisions can help you to hit pause and take the full picture of your culture, background, and mindset into account before making a less-than-savvy money move. Remember: you have the power to acknowledge your background and your current money mindset, and choose to change them so that they serve you.
Think about how you feel about money. How do you use it in your life? How does managing your finances make you feel?How did your community view money growing up? Were they living with a fear that resources would dry up? Did they avoid discussing money with you as a kid?Look at your experience, education, and expertise and realize - you deserve the money you’re making. You deserve to live well, and to enjoy your life. If it helps, write yourself a sticky note and put it on the mirror - there’s nothing wrong with earning money, wanting to earn more money, and wanting to use it in a way that makes you happy and supports your goals.Think twice before giving money to family members, or people in your community. It can help to create a line-item in your budget that’s specifically for giving money away. This will help you to prioritize your other financial goals (like emergency savings, retirement savings, or paying off student loans), while still leaving some wiggle room to support the ones you love and care about. Once you spend everything in the “giving” portion of your budget, you can honestly say that you don’t have anything left to give.Set “fun” money goals for yourself. There’s a temptation among first-generation college grads to only set reasonable, safe financial goals. While it’s important to save for the future, it’s also important to enjoy the wealth you have now. Don’t be afraid to set a goal to save for a special vacation, a big purchase, or other non-essential things. As long as your purchases align with your values, and you’re saving and spending wisely, there’s no reason that you don’t deserve to enjoy the money you’ve earned.

How First-Generation College Graduates Can Approach Their Finances With a Healthy Mindset

7 annotations

children

4689

'Ships will sail around the world but the Flat Earth Society will flourish. There will continue to be wide discrepancies between price and value in the marketplace...'
During the five years over which the share price declined, Ship Finance International's earnings per share (EPS) dropped by 6.3% each year
What About Dividends?As well as measuring the share price return, investors should also consider the total shareholder return (TSR). The TSR incorporates the value of any spin-offs or discounted capital raisings, along with any dividends, based on the assumption that the dividends are reinvested. It's fair to say that the TSR gives a more complete picture for stocks that pay a dividend. As it happens, Ship Finance International's TSR for the last 5 years was 24%, which exceeds the share price

Investors Who Bought Ship Finance International (NYSE:SFL) Shares Five Years Ago Are Now Down 28%

3 annotations

investing

4790

文摘自《改變未來的祕密交易》，大是文化出版
「超級食物」、「奇蹟之藥」或維他命之類的主張，每個月都在變，讓大眾不再相信它們。這個過程暗中破壞了我們視科學為專業的信心。它讓科學變成偽科學。
1903年，20世紀首位媒體大亨諾思克利夫子爵（Lord Northcliffe）發現了他旗下的報紙蘊藏著權力：「每次投票權擴大，都會讓報紙權力更大、政客權力更小。
科學成為假新聞事業的一部分，與新聞攜手漠視事實，只為了更精彩的報導：「殺手級咖啡」、「殺手茶」、「奇蹟咖啡」、「奇蹟茶」，以及「喝咖啡或喝茶，就可以緩和香菸的有害作用」。

超級食物傷身、奇蹟之藥救命？BBC最敢爆料記者揭露科學界騙局｜數位時代

4 annotations

www.bnext.com.tw

4795

identify and analyse a selection of deals that changed the way the world works
The Deals That Made The World: Reckless Ambition, Backroom Negotiations, and the Hidden Truths of Business, by Jacques Peretti
Analysis of why things go wrong is always more exciting to read than praise for everything working out
Alive at Work: The Neuroscience of Helping Your People Love What They Do, by Daniel Cable
Meltdown: Why Our Systems Fail and What We Can Do About It, by Chris Clearfield and András Tilcsik.
Our seeking systems create the natural impulse to explore our worlds, learn about our environments and extract meaning from our circumstances.”
In this lively book, the organisational behavioural expert suggests small changes and interventions by leaders to encourage employees to experiment and gain a sense of purpose

FT business books of the month: March edition

7 annotations

radio

www.ft.com

4787

Brandon Copeland is paying attention to numbers on and off the field.
But the 28-year-old wasn’t there to take down notes and earn a grade — instead, Copeland was teaching a class financial literacy with Dr. Brian Peterson, the director of Penn’s Makuu Black Cultural Center, according to ESPN.
“I don’t care if you’re an engineering student, a nursing student, if you’re going to build rockets when you grow up or if you’re going to sweep floors,” Copeland, a native of Baltimore, told the outlet. “You’re going to have to use something in this class,” Copeland said. “And you can’t say that for every class at Penn. Every student. Every major.”
I was kind of shocked how good of a professor he was,” Jackson said. “I didn’t go in with any expectations, but he’s a very, very smart guy, and you can just tell it by listening to him. He knows what he’s talking about, and he’s obviously willing to learn.”

Brandon Copeland Saved 90 Percent of His Income, Teaches Finance Class | PEOPLE.com

4 annotations

investing

people.com

4538

beating the Zacks Consensus Estimate of $0.63 per share. This compares to earnings of $0.60 per share a year ago. These figures are adjusted for non-recurring items.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
It will be interesting to see how estimates for the coming quarters and current fiscal year change in the days ahead. The current consensus EPS estimate is $0.68 on $22.20 million in revenues for the coming quarter and $2.56 on $87.05 million in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well.

MutualFirst Financial (MFSF) Beats Q2 Earnings and Revenue Estimates

4 annotations

investing

4759

children are already able to grasp basic money concepts at age three, and by age seven, their money habits are already set.)
Let’s Go Shopping” was a game we played when they were in preschool.
One of the biggest mistakes I see parents making is offering unlimited funds to their children for non-essentials.
My wife and I make it a point to donate to charity or a nonprofit organization every once in a while. It sets a good example for our kids and discourages behaviors of selfishness and greed.

How this financial expert teaches his kids about money

4 annotations

children

4988

This approach has been favored by groups representing employers and insurance plans but draws disdain from medical specialty provider groups. Those doctor organizations, which include specialists like emergency physicians and anesthesiologists, prefer arbitration, sometimes called “independent dispute resolution.
One of the existential questions of the debate has been how to compensate health care providers if balance billing — which is what happens when patients are responsible for the costs not covered by their insurer — is prohibited.
The House is taking a step in the right direction,” Cassidy said in an email. “We need to end up in a place that gives patients security while having a level playing field for providers, hospitals and insurers.”

Surprise Medical Bill Legislation Takes A Step Forward, But Will It Lead To A Step Back? | Kaiser Health News

3 annotations

government

khn.org

4841

health. If members had called any major medical association to testify, they would have heard how pot commercialization is not in the public’s interest.
disadvantaged communities. Let’s press pause and listen to the medical and scientific experts. A policy of legal pot is too far, too fast.

Committee hearing on marijuana policy overlooks science and medical experts | TheHill

2 annotations

health and fitness

thehill.com

4532

區塊鏈技術是一套複雜的算法，讓所謂的加密貨幣（包括比特幣）無需中央賬本即可通過計算機網絡進行電子交易和驗證。
巴克萊(Barclays)、瑞信(Credit Suisse)、加拿大帝國商業銀行(CIBC)、滙豐(HSBC)、三菱日聯金融集團(MUFG)和道富(State Street)已聯手進一步研發“多功能結算幣”(utility settlement coin)，這種貨幣由瑞士的瑞銀(UBS)創建，旨在讓金融市場更有效率。

全球六大銀行擬聯手推出數字貨幣 - FT中文網

2 annotations

5081

I think what you need to remember about Nike is that they're an international brand. They're huge. They're all over the place. So even though part of their supply chain is going to be bought in China, that doesn't necessarily mean that the Chinese goods are going to have to be imported from the U.S. And I think that's kind of what has helped them mitigate the tariffs so far because say, you know, they could, they could have production out in Vietnam and that gets important to the U.S., but all the Chinese supply chain, that part of their supply chain can get distributed all across the rest of the world
Analysts expect Nike to report earnings per share of 66 cents on revenue of $10.15 billion.

Just Don't Worry About Trade? What China Means for Nike Earnings - TheStreet

2 annotations

company

www.thestreet.com

4589

New research reinforces the idea that the absence of certain bacteria in the gut can cause food allergy, a condition that affects millions of people. The study also suggests that replenishing key gut bacteria could offer a way to treat food allergy.

Could certain gut bacteria protect against food allergy?

1 annotation

food allergies

4419

A former senator and expert on retirement security noted that "we've sort of fallen into" a retirement system built around 401(k) plans but you would "run into tremendous resistance politically" if you tried to change it.
The senator advocates a series of measures, from improving access to retirement plans at work to modernizing Social Security that he says "would dramatically increase retirement income." Conrad added "the estimates are it would increase the retirement income in this country over the next 40 years by 50%."
In the months ahead, a number of partners of the Funding our Future campaign from across the political and business communities will appear on Yahoo Finance to discuss some of the challenges facing the U.S. retirement system

Former Sen. Kent Conrad: 401(k) plans were "never designed to be the retirement plan for America"

3 annotations

work

4867

預計在明年啟用的這種大型自動販賣機，將成為中國的消費主義、乃至全球崇尚即時滿足的時代精神的新象徵。
阿里巴巴計劃將自動販賣機插入其生態系統，這個系統包含融資和有關買家信用狀況的數據。
芝麻信用(Sesame Credit)
“買車跟買飲料一樣方便”
天貓(Tmall)電子商務平台
這種業務模式有助於降低成本，包括儲存以及保持汽車清潔和光鮮所需的人力。

天貓將在自動販賣機上賣汽車 - FT中文網

6 annotations

8187

, generally, the action of the leading stocks, which have been large growth names for some time, remains in good shape.
: Watch the major averages and the leading stocks. That’s it. Those two indicators have withstood the test of time,
But the averages and leaders do serve to keep one on the right side of the market.
Meanwhile, Apple AAPL, +0.40% Facebook FB, +1.21% Tesla, Paypal PYPL, -0.15% Alibaba BABA, +0.29% Salesforce.com CRM, +0.66% Baidu BIDU, +1.86% and Tencent Holdings TCEHY, +0.95% trade close to their highs.
. In most cases, a position should not be entered when price is extended, i.e. more than 5% past the top of its base for breakout buys.)
Tesla gives a good account of itself as it repairs its chart pattern following the June-July slide from $386 to $303. Price sits at $345. There has not been any high-volume selling in weeks. The $370 swing high of Aug. 9 offers a convenient way of entering the stock without taking the risk of it rolling over from here.
To sum, our two primary indicators, the price-volume behavior of the averages and the action of the leading stocks, point to the market’s direction being up.

These 2 simple indicators say stocks are headed up - MarketWatch

7 annotations

investing

8298

, Garnry says the declines are likely to be short-lived
The S&P 500 Index fell 6.2 percent in two days, its biggest such decline since August 2015, after yields on 10-year Treasuries climbed to a four-year high of 2.84 percent
Peter Garnry said two weeks ago that global stocks were headed for a correction in the second half of the first quarter. While the head of equity strategy at Saxo Bank didn’t get the timing exactly, his alarm bells on the run-up in equity markets were on point.
Still, Garnry says it’s too early to predict a bear market.

Strategist Who Called Stock Slump Says It Will Be Short-Lived - Bloomberg

4 annotations

investing

6909

But along with some of the more unsavoury anecdotes - unwashed blankets and filthy drinking water, for example - emerged some interesting and even useful insights about air travel.
clinical study conducted by Lufthansa found that 'fluctuating air pressure of aircraft cabins makes passengers crave acidity and saltiness, which tomato juice satisfies'.
Some pilots get distracted by their laptops and cellphones during flight,' she wrote, adding: 'Pilots make mistakes all the time about airspeed, altitude, landing, etc. But they're corrected on time and therefore they never tell anyone about it.'
Your coffee is made of the same water coming out of the bathroom sinks. And most of them have a hundred times bacteria over the govt limits.'
Do not ever drink water on an aircraft that did not come from a packaged bottle.
Middle seats are the seats that fill up last on flights, so if you’re travelling in a pair, select window and aisle and have a good chance of having an empty middle seat if the flight is not full

Airline insiders reveal the industry's best-kept secrets on Quora | Daily Mail Online

6 annotations

transports

www.dailymail.co.uk

5928

台灣動物權保障有著2大難題：寵物棄養的數量及可繁殖的流浪動物數量。
The vet in Taiwan who 'euthanised' herself https://t.co/CToKYOCz2o pic.twitter.com/fdjN5dqPQH— BBC News Asia (@BBCNewsAsia) 2017年2月2日
人們也開始質疑，為何台灣對抗棄養動物的前線工作者會受到如此龐大的壓力。
但人們還是會棄養狗兒，他們有各式各樣的理由：狗太兇、狗不夠兇，狗太會吠、或是狗吠得不夠
「毛孩送行者」
執行安樂死的工作人員並沒有獲得心理諮商協助。事實上，為這些行業及其他領域提供心理治療，在台灣是聞所未聞。
4日起，動保法修正案正式實施，其規定包含，動物安樂死為非法、動保預算將增加40％至新台幣5億元、嚴格審查棄養案件，並對棄養飼主處高達新台幣約3880元的罰則。

台女獸醫死諫近1年　BBC細述台灣動保困境

7 annotations

today.line.me

8220

If you don’t change, you won’t survive the ever-changing business world. That doesn’t just include new technology or a new advertising model, but also the business model, which has always been the core of failures in businesses.
Embrace change.
Cash flow is king.
Buy and hold.
Mentally divide your financial strategy into two parts: positive cash flow and owning long-term wealth-creating assets. Don’t mix them together like many people do
Turnover is vanity. Profit is sanity. Cash flow is reality.

12 Life-Altering Financial Secrets From Top Wealth Creators

6 annotations

business and industrial

7728

, shopping for a school should be the last step after fully understanding all financial resources available for college, such as savings accounts, 529 plans, each parent’s cash flow and savings, etc.
there are thousands more private scholarship and grant opportunities, and you should spend as much time as possible hunting them down
Picking or sticking with the wrong degree.
In fact, a study conducted by Finder revealed that nearly 2 in 5 Americans don’t think their college degree was worth the money.
ensure you evaluate all options and talk to career counselors,” McDermott said. “If you realize mid-study that you’ve made the wrong choice, remember it’s not too late to make a change.”

7 Biggest Money Mistakes Every College Student Should Avoid | HuffPost

5 annotations

personal finance

www.huffingtonpost.com

8249

wealthiest individuals are on a roll with billionaires in Asia
Led by China, the number of the region’s billionaires surpassed the U.S. for the first time.
In fact, the emergence of great wealth is bolstering art and sports more than ever before
self-made billionaires seeing their wealth rise faster than those who became rich through family ties
art prices have skyrocketed since early 2000s, more billionaires have turned to art both as a status symbol and an asset
American billionaires still control the most wealth
A combination of geopolitical stability in Greater China, rising Chinese real estate prices, infrastructure spending, the growing middle class and buoyant commodity prices all joined together to boost wealth

Asia Now Has More Billionaires Than the U.S. - Bloomberg

7 annotations

tourist destinations

7381

Default options like brokerage sweep accounts can have notoriously low yields, says Benz.
the best available rates, according to MONEY’s annual Best Banks survey:
Don’t over look cash
Another good option is putting money into CDs, especially if you’re looking for a low-risk cash account for retirement.
. Among the best available rates, according to MONEY’s annual Best Banks survey: Accoun

Streamline Your Portfolio And Earn More, In Three Easy Steps | Money

5 annotations

investing

money.com

7746

比特币中国突然宣布9月底停止所有交易业务后，比特币连续第七天下跌，至3426.92美元，为一年来持续最久的跌势
成为其一年来持续最久的跌势
比特币价格今年大幅飙升，报价曾高达5000美元，相比2016年底上涨五倍。这引起了散户和机构投资者的关注。最近对资金管理人进行的一项调查似乎表明，这是世界上最“拥挤”的交易。
基金经理杰弗里•冈拉克(Jeffrey Gundlach)表示他会躲得远远的

比特币下跌11% - FT中文网

4 annotations

8081

Working hours were shortened to 6 for the 68 nurses at the Svartedalen old people’s home, who got to keep the same salary level.
To cover for the reduction, the city had to hire 17 extra staff at a cost of about 12 million kronor
employees at Svartedalen residential home felt healthier, which reduced sick-leave absence
It’s far too expensive to carry out a general shortening of working hours within a reasonable time frame
It’s associated with higher costs
While historical data shows that the length of average working days has fallen in Sweden over the past century, there are currently no plans to establish six-hour working days at a national level.

Swedish Six-Hour Workday Runs Into Trouble: It’s Too Costly - Bloomberg

6 annotations

government

15749

41 percent of U.S. counties suffer from high levels of combined poverty and income inequality, up from just 29 percent back in 1989.
more than 70 percent of counties have either high levels of inequality, high levels of poverty, or both.
chart below shows the level of inequality by various types of counties
The combination of inequality and poverty increased from 22 percent to 46 percent of small and mid-sized counties and expanded from 35 percent to 44 percent of rural and non-metropolitan counties over that same time period.

Inequality and Poverty Overlap In More U.S. Counties - CityLab

4 annotations

society

www.citylab.com

9048

在金融政策領域，沒有什麼問題比區塊鏈的影響更有爭議了
另一個時常出現的說法是區塊鏈會消滅現存的基礎設施。
更普遍地說，服務共享可能成為今後10年銀行業的核心關鍵。監管將扮演支持這一轉型的關鍵角色。
區塊鏈也許會帶來戲劇性的改革。一旦它做到這一點，將會出現輸家——就像證券交易所在經歷技術劇變時，場內交易員發現自己變得多餘那樣。不過，這並不意味着所有中介的末日。相反，它將振作贏家，
摩根士丹利(Morgan Stanley)近期一份報告列出了銀行業採用區塊鏈技術的十個潛在障礙。這些障礙中有半數需要政府當局合作才能克服。區塊鏈技術的普及有賴於法規，而大部分法規尚未出台。

區塊鏈革命一旦發生 - FT中文網

5 annotations

8489

11. Netherlands
This country boasts one of the highest literacy rates in the world

Countries with the best quality of life in the world

2 annotations

mathematics

uk.businessinsider.com

7327

According to consultant Kathy Ruffing, the two wars account for about $2 trillion of the debt, including interest.
The U.S. is approaching $20 trillion in national debt
, it’s that both parties share responsibility for boosting the debt. Fighting wars, big tax cuts and economic stimulus packages have all added to the burden over the years.
debt held by the public would rise to 150% of the total economy in 2047 from the 77% it’s at now
The U.S. spent heavily on the wars in Afghanistan

Here’s how the U.S. got to $20 trillion in debt - MarketWatch

5 annotations

investing

11269

Career website Glassdoor Inc. has released its annual report on the best places to work based on employees who elected to anonymously submit a company review on its website over a 12-month time frame
Bain & Company Inc., has been in the top five since the list's inception in 2009 and has been No. 1 three times.
Airbnb has definitely dropped amongst the most ever,"
Airbnb continues to grow, and employees say it's now harder to find work-life balance, opportunities for advancement, and transparency from the top
Clorox Co., Forrester Research Inc., Keller Williams Realty Inc., Microsoft Corp., and Lululemon Athletica Inc. all made the list for the first time this year.
One SpaceX employee cited a sense of fulfillment and the ability to work on "exciting, fast paced projects" at Elon Musk's aerospace manufacturing company,

The 50 Best Places to Work, According to Glassdoor - Bloomberg

6 annotations

financial news

10504

題目是：《關於新移民——給美國亞裔活動家的一封私信》。
新移民和老一代亞裔美國人在理念上的嚴重分歧
新移民對已融入美國社會的亞裔美國人感到很憤怒。
我非常理解吳先生提到的國人常見的通病。比如，一些中國人開車惡習多多，夜間開車打遠光燈，開長途長時間占據快車道，霸著路不讓別人超車等。多數美國人開車比較禮讓，在超車後會自覺換到慢車道，以方便其他車通過，開遠光燈的很少。再比如很多中國的暴發戶，喜歡炫耀名牌和財富。凡此種種，就連很多中國人都不喜歡的行為，美國長大的吳先生覺得難以接受，完全可以理解。
新移民在許多問題上和本土亞裔美國人的理念截然不同：“從高等教育多元化，到‘非法’移民、同性戀權利、警察暴力、體罰、死刑等問題，不管你在組織什麽抗議活動，他們毫無例外地站在你的對立面。即使在環境問題上，他們也擔心對魚翅或某種瀕危物種的保護會影響到自己對山珍海味的熱愛

美國華裔教授一封信引發的軒然大波 - FT中文網

5 annotations

8398

投資的基本原則
《巴菲特的投資原則》
我們絕不對合夥人保證一定會有多少投資報酬。
道瓊工業指數（Dow-Jones Industry Average，簡稱道瓊指數）
的結果。
我們講年度投資損益時，是以資產的市值為準，也就是年底的資產市值與年初時比較的結果。
反向分散投資策略（contrarian diversification strategy
要評斷投資績效，我認為最好是看5年的數字，不然至少也要看3年的數字。
安全邊際（marginof safety）以及分散投資
巴菲特三種主要「操作方法」，包括低估型投資、套利型投資和控制型投資
複利作用

態度比智商更重要！巴菲特不變的投資基本原則｜財經時事｜投資理財｜2017-05-10｜天下雜誌出版｜天下雜誌

11 annotations

www.cw.com.tw

8270

平台應用正把商品和服務（單車、閑置卧室甚至太陽能）的所有者與大量潛在用戶連接在一起。傳統上關注於銷售商品的公司（包括服裝零售商和汽車製造商）現在正探索會員制和租賃選項。
，我們正進入一個新時代：消費者更重視使用而非擁有，更重視體驗而非資產。
當
每一個都代表着擁有的喜悅
科技集團正鼓勵消費者重新思考他們對一切事物的態度

共享經濟時代的贏家和輸家 - FT中文網

5 annotations

7479

Never let anyone own your schedule.”
Start by blocking times for specific activities,
You can then convert your calendar into a series of blocks
your routine will probably change throughout the year. But, it’s better to have a plan that changes than no plan at all
You'll see how much time is actually spent producing results and how much time is wasted on unproductive thoughts, conversations and actions.”
Much like a meeting, they have a set and scheduled time for this task to be accomplished.
Schedule your calendar like a to-do-list.
blocking out time for working out, eating, walks and other important activities in my life. If I don't make time for them, other things will always get in the way.
In my early days of freelancing I multitasked like it was going out of style. I eventually realized that doing more than one thing at a time is ineffective and stressful.
research now shows, the human brain isn’t capable of multitasking.
Batching is basically where you find similar tasks and then lump them all together to make a task-batch
To be honest, 30-minute meetings and 10-minute calls are ideal. A 10-minute phone call with a prospective client is more than enough for me to know what their needs ar
Still, just remember that it's impossible to get everything done. “Also remember that odds are good that 20 percent of your thoughts, conversations and activities produce 80 percent of your results,

Managing Your Schedule Like a Boss: Tips the Experts Never Tell You

13 annotations

children

7565

中國房地產市場走勢與政策的短期化態勢是十分明顯的
將過去十年中國房地產調控歸納之為中國式的「房價-收入螺旋式上漲」的化解泡沫模式。在筆者看來，造成這種局面的因素眾多，其中，中國獨特的制度因素是難以忽視的重要原因
中國社會已普遍堅信中國房價只漲不跌的神話，以及其背後獨特的制度因素如政府已為房地產背書，這種房地產螺旋式上漲是過去十幾年中國房地產市場的常態。
這樣的預期存在巨大風險的。筆者在另一本專欄文章《房地產國家牛市存八大風險》中提到的，一旦缺乏收入改善預期等基本面支撐，短期內過快過大房價上漲可能超出可承受範圍，增加經濟脆弱性與金融風險；而樓市香港化趨勢明顯，
中國房地產市場與政策正處於十字路口。關於中國房地產未來，當下有兩種截然不同預期。一種認為，中國樓市正處在巨變的前夜，房產稅、租售同權、土地供給改革等將使得中國房地產市場告別短期波動劇烈，
究竟未來中國房地產政策與市場會如何演變？是巨變的前夜還是難逃屢控屢漲？

2018：巨變前夜的中國房地產？ - FT中文網

6 annotations

6823

2017年以来，中国对外贸易一改2015-2016长期同比负增长的状况，
2017年初中国出口的回暖主要得益于外需的增强，这主要表现为中国对“东盟10+6”成员国、美国、欧盟出口的增加
中国对“东盟10+6”成员国出口的增加，可能也间接反映了中国在全球产业链地位的逐步提升；

中国对外贸易为何回暖？ - FT中文网

3 annotations

6590

So what comes next? Is it a gentle slowdown or something more severe
, higher-yielding dividend-paying stocks have outperformed the market and have offered an attractive source of return.
We do expect growth to fade a bit as tariffs bite, and the impact of the tax cuts from this year won’t be as strong next year
Typically bull markets don’t die from old age. But they will die from either a recession or speculative excess. And right now we really don’t see either, although you start to see warning signs in both
Is the IPO market also overpriced
We don’t follow Tesla. But part of the reason is, their debt’s junk rated. We wouldn’t look at it until it becomes investment grade
Our turnover is about 20% a year. And when we make an investment, we are really thinking about a five-year investment time horizon
. But there’s another, super-fast-growing part of the business, which is driven by APIs [application programming interfaces, platforms for building new software].
Many people are very pessimistic about trade and tariffs—they’re worried about contagion. All you need is some good news there, and you see probably a very rapid rebound and a much better price performance
There’s been a lot of concern of late about a slowdown in China’s economy. Kate, how does China shape your thinking right now
Many people are looking at places like Argentina or Turkey and saying, “Oh, all emerging markets are this way.” Well, no, emerging markets have really shifted to be more China-focused,

Best Stocks 2019: Investing Tips and Advice from Experts | Fortune

11 annotations

investing

fortune.com

7271

每天閱讀一本書、並在線上讀書會中推薦值得閱讀的書，練就一身功夫
許多億萬富翁都把閱讀視為他們致勝的優勢。巴菲特（Warren Buffett）就曾透露自己每天閱讀500頁，知識才會如利息一般累積
你絕不會在他們的書架上找到「格雷的五十道陰影」或八卦雜誌
總結自己一生所學的《美國製造》（Made in America），就是一本值得閱讀的書。
最後一個億萬富翁吸收資訊的秘訣，就是他們願意花大錢及時間以閱讀更優質、更大量的內容。洛裴滋指出，當要為買書、買內容而花錢，億萬富翁的眼睛連眨都不會眨一下，而這和財富多寡無關，一般人也不該畏懼在這件事上投資。「世上有兩種行為不會讓你破產，一是從事慈善，二是投資知識，」洛裴滋說，學得越多、得到的也越多，因此不妨像億萬富翁一樣、大筆投資知識。

巴菲特每天看500頁的書！向億萬富翁學4個閱讀好習慣｜經理人

5 annotations

7535

We knew that this is part of a bigger problem, which is the inequality that black people face,
Influencer marketing is indeed one of the hottest industries for launching a business in 2018,
Mixpanel, an analytics startup valued at nearly $1 billion, measures user engagement for mobile and Web apps.
5. Power to the People
6 Hottest Industries for Millennial Entrepreneurs
Entrepreneurs under 30 are increasingly creating products and services for social-media influencers, from email marketing to user engagement metrics and other software.
Take Derrius Quarles, the co-founder and CTO of the Chicago and Brooklyn-based personal finance platform Breaux Capital. Since launching in 2016, his business has connected more than 1,000 men of color to its social network
ake Derri
The conceit is similar to that of TONL, a stock photography company born from the Black Lives Matter movement, which expects to book $188,000 in revenue this year serving up imagery that represents black and brown people

6 Hottest Industries for Millennial Entrepreneurs | Inc.com

9 annotations

society

www.inc.com

6912

Wild Swans: Three Daughters of China,' by Jung Chang
This book details the lives of three generations of extremely powerful women living in a rapidly changing China
Goldman Sachs just published its fourth-annual fall reading list.
Well-researched book about the population that is underserved in today's banking system and what we can do to change it
fascinating, moving, and filled with lessons of resilience and bravery."
'The Unbanking of America: How the New Middle Class Survives,' by Lisa Servon

Goldman Sachs fall reading list 2018: The books you should be reading - Business Insider

6 annotations

religion and spirituality

7420

周四，全球股市連續第三天觸及歷史高點。2018年的首個交易周在去年上漲的基礎上進一步攀升
但青睞新興市場股票的格蘭瑟姆表示，融漲可能會在今年告終——「很可能在未來6個月到2年之間
周四華爾街開盤後，道瓊斯工業平均指數(Dow Jones Industrial Average)攀升至25000點上方，而標普500指數(S&P 500)以0.4%的漲幅在創紀錄區間進一步推進
「我們預計，2018年全球同步增長將延續2017年後三個季度高於趨勢線的增速。」
格蘭瑟姆(Jeremy Grantham)曾正確預測網絡股泡沫和房地產泡沫，他表示：「作為一個見證過股市巨大泡沫的歷史學家，我也認識到目前有跡象顯示，我們正進入這一持續已經很久的牛市的沖頂回落或融漲階段。

全球股市以創紀錄高度迎來2018年 - FT中文網

5 annotations

7018

The transaction included 15 properties, including JW Marriot Essex House in New York and the Four Seasons in Washington
Chinese companies invested a total of $51.09 billion into the U.S. via 65 deals in 2016. That's a 360% surge from 2015
here's a look back at the five largest deals by Chinese companies in the U.S. in 2016.
The acquisition of Strategic had been on track to become the second largest U.S. acquisition by a Chinese buyer after Smithfield Foods's $7 billion sale to Shuanghui International in 2013.
3. Tianjin Tianhai Buys Ingram Micro for $6.07 Billion
The deal between Tianjin Tianhai and Irvine, California-based Ingram Micro marked the largest Chinese takeover of a U.S. information technology company.
Approval was thrown into question amid recent capital restrictions in China. In efforts to clamp down on capital flight, China's State Council issued restrictions on Chinese companies buying assets outside of their "core" area of business.
1. Anbang Insurance's $6.5 Billion Deal For Strategic Hotels And Resorts

The 5 Biggest Chinese Investments In The U.S. In 2016

8 annotations

business travel

1225

在高收入的经合组织(OECD)国家，自然资本仅占总体财富的3%，而人力和生产资本则成为财富增长的主要动力。报告指出，在贫穷国家，自然资本占到财富的47%。
财富数据提供了一个前瞻性的指标，可以帮助政府更好地管理发展战略，
如果一个国家将来自自然资源的收入挥霍在消费上，即使GDP增长看起来健康，人均财富也可能会下降
根据迄今最全面的尝试编制国家财富“资产负债表”的方法，在1995年至2014年的20年里，20多个国家的人均财富出现了下降。
GDP显示一段时期内收入和生产的流动，但没有提供关于人力、物力、自然和金融资产的信息，这些资本支撑了收入的增长。
尼日利亚的GDP在2014年油价大幅下跌之前蒸蒸日上，但由于历届政府都未能使用石油收入来改善基础设施，因此该国人均财富出现下降。他补充称，财富数据如果早些公布，就可能“揭发失败的政策”。

世行新经济指标：揭示各国人均财富的变化 - FT中文网

6 annotations

4947

Buffett believes simple low-cost index funds are the smartest investment most people can make
In the aftermath of the financial crisis, Buffett decided to invest $5 billion into investment banking giant Goldman Sachs. a move that Buffett referred to as a "bet on brains."
In 2011, Buffett decided to purchase $5 billion worth of Bank of America preferred stock with a 6% dividend,
Burlington Northern Santa Fe (BNSF) Railroad was Berkshire's largest-ever acquisition. Berkshire already owned nearly one-fourth of the company,
Buffett bought shares of Coca-Cola for Berkshire Hathaway in 1988, and just under 30 years later, the stock is up by approximately 1,350% from Buffett's cost basis

Warren Buffett's 8 most profitable deals ever - Business Insider

5 annotations

investing

5157

中国物流业规模达2.2万亿美元左右（全球物流业规模为9万亿美元）
在中国，每单配送费平均为13元人民币（合1.9美元），而美国是5至10美元
由于人们对效率低下的国家邮政系统感到失望，这才诞生了菜鸟
菜鸟首席技术官王文斌表示，即使IT系统得到了改善，中国快递公司也仍落后于美国的联合包裹服务公司(UPS)和联邦快递(FedEx)等同行
快递业务——基本上就是电商配送——的规模去年达到435亿美元，是物流业中增长最快的细分市场
部分物流公司自称为科技公司，这意味着它们在IT系统、大数据、自动化和最后一英里配送——比如说使用无人机和无人驾驶车辆送货——方面投入大量资金。

菜鸟网络引领中国快递业跨越式发展 - FT中文网

6 annotations

8768

擬定一套財務計畫
管理金錢的第一步是列出財務數字，包括平日收支狀況、投資成果等等，重新校正自己對於資金運用的認知
先掌握具體的財務狀況
當你透過訂定計畫思考自己「想要」什麼樣的生活，你對於財富的想像，就不會只限制在滿足基本生存條件的範圍裡，而會想盡一切努力，達成你真正渴望的目標
財務成功和失敗的最大差別，就在於管理金錢的能力。
最基本的做法是先設定一個明確的用錢標準，不符合標準的投資，連一塊錢也不要拿出來

別等「有錢」才開始理財！5 個薪水支配技巧，月入 30K 也能輕鬆存錢｜經理人

6 annotations

2929

代幣擁有者可以選擇行使使用權即消費代幣，或者通過現有的虛擬幣交易所，轉讓項目代幣，期望獲得差價盈利。而代幣天生具有虛擬貨幣屬性，交易流通性和便利性遠大於股票
ICO是一種獨特的眾籌融資方式，是以特別方式、通過特殊的媒介、對特定的項目的眾籌融資
致力於預測市場的項目Gnosis開始ICO
Gnosis從啟動到ICO用了18個月，而量子鏈項目啟動到ICO, 僅用了1年，這讓苦等多年還在IPO門前排隊等上市的中國企業淚流滿面。
與IPO相比，ICO創新地把使用權和貨幣功能合二為一
ICO體系里，沒有證監會，不需要IPO上市審批排隊，沒有傳統的種子天使ABCD輪，發行後沒有持有禁售期，不需要律師、會計師和投行。 ICO從開始到結束，所有發行環節一步到位，因而能如此高效便捷。

ICO融資讓IPO望塵莫及？ - FT中文網

6 annotations

6009

Iran, which had been reluctant to reduce output so soon after returning to international markets, agreed to a token increase. The deal will reduce global production by almost 2%. Oil prices jumped in response. See article.
The OECD gave the thumbs up to Donald Trump’s plan to boost infrastructure spending, saying it would boost America’s economy, which is projected to grow by 2.3% next year
But the organisation also warned that “an increase in protectionism could risk impairing already weak growth
America’s economic growth rate in the third quarter was revised to an annualised 3.2%, up from an initial estimate of 2.9%
The Bank of England’s latest stress tests for British banks found that Barclays, Royal Bank of Scotland and Standard Chartered had “some capital inadequacies

Business this week | The Economist

5 annotations

1291

中國仍然在以驚人的速度增加信用，專家紛紛對此發出警告。在這種情況下，中國有可能重蹈2008年金融危機的覆轍
一部分問題在於「影子融資」的快速增長，比如理財產品或其他形式的非傳統貸款，這已經成為了一系列重大欺詐案件的焦點
中國債務高企、消費無力、缺乏為解決經濟問題做出艱難選擇的政治意願，導致經濟學家越來越愛拿它與另一個亞洲大國日本進行類比。
中國不是日本，它向上流動的龐大人口，也和日本更富裕但老齡化日漸嚴重的社會形成了鮮明的對比。但依然有越來越多的經濟學家看到了類似的可能性。

預測：中國經濟困境的3種結局 - 紐約時報中文網國際縱覽

4 annotations

tourist destinations

m.cn.nytimes.com

1224

The U.S. economy, as measured by gross domestic product, is by far the largest in the world at $18.04 trillion
. The region, denoted in yellow in the chart, contributed 33.84% to the global GDP.
. China, the closest thing the U.S. has for a competitor, is No. 2 with a GDP of $11 trillion, while Japan is a distant third with $4.38 trillion.
the U.S. accounts for about a quarter of the global economy,
The chart also highlights the chasm between wealthy and poor countries. South America’s four largest economies — Brazil, Argentina, Venezuela and Colombia — only add up to 4% of the global GDP, while Africa’s three biggest — South Africa, Egypt and Nigeria — account for around 1.5%.
“Asia’s economic center of gravity is in the east, with China, Japan and South Korea together generating almost as much GDP as the U.S

The absolute dominance of the U.S. economy, in one chart - MarketWatch

6 annotations

work

1989

Lyft was downloaded more times over a day than Uber on the Apple app store for the first time
Facing a marked slowing of sales in America and forecasting a loss for this year, Fitbit decided to cut 6% of its workforce.
Fitbit struggles to compete in a saturated market for wearable devices.
Mr Trump attacked alleged currency manipulators, taking aim at China, Germany and Japan for what he claimed were deliberate attempts to keep their currencies low in order to gain a trade advantage.
Apple cheered investors when it reported a rise in revenue for the last three months of 2016, dispelling worries about a wobble in sales.
Lyft is planning to expand to another 100 American cities this year.

Business this week | The Economist

6 annotations

business and industrial

1747

中国浙江已经诞生了72位亿万级超级富豪，在全世界仅次于美国加州的92人
浙商有一个非常大的优点就是团结，走到哪儿都喜欢抱团。无论是在省内还是省外、国内还是国外，抱团经营，合作发展，是浙商最大的特色之一
浙商是近代才崛起的一个地域性商帮。但自古以来，浙江就有经商传统。
最典型的例子当属汽车业的李书福，网络行业的马云。在中国各省市，没有一个地方有像浙江这样拥有这么多自有品牌
值得一提的是，2016胡润IT富豪榜有8位浙商上榜，位列全国第一。有7位IT富豪居住在杭州，仅次于北京和深圳，成为IT富豪第三多的城市
浙商诚信也曾陷入危机之中。温州5000多双劣质皮鞋被烧毁、用敌敌畏浸泡火腿的秘密被媒体曝光后，浙商诚信陷入重重危机之中。但后来,痛定思痛的浙商采取一系列措施重塑品牌形象，用质量再次挽回了消费者
2016年中国民企500强中，浙江企业占了134家，总数连续18年蝉联第一。
在《2016胡润品牌榜》榜单中，共有16家总部位于浙江的企业上榜。上榜品牌数量仅次于北京、广东和上海，在全国各个省市区中，名列第四。其中，阿里巴巴和蚂蚁金服旗下的品牌淘宝、天猫和支付宝位列浙江上榜企业的前三位。

财经网_新浪博客

8 annotations

m.blog.sina.com.cn

1063

最明显的当属今年国庆档，《湄公河行动》《从你的全世界路过》《爵迹》《王牌逗王牌》4强领跑整个国庆，《爵迹》先发制人，《全世界》迎头赶上，但是7天下来，票房最终成绩变成《湄公河》逆袭拿下冠军。而这4部的票房跟口碑有了鲜明的正比关系，用豆瓣评分比对如下：
神奇动物在哪里
编剧: J·K·罗琳主演: 埃迪·雷德梅恩 / 凯瑟琳·沃特斯顿 / 科林·法瑞尔 / 朗·普尔曼类型: 奇幻 / 冒险
海洋奇缘
导演: 罗恩·克莱蒙兹 / 约翰·马斯克配音: 道恩·强森 / 艾伦·图代克 / 杰梅奈·克莱门特类型: 动画 / 喜剧 / 奇幻 / 冒险上映日期: 2016-11-25(中国大陆) / 11-23(美国)

史上最强11月内地档期，你最期待哪部？_不散_传送门

5 annotations

chuansong.me

515

The Mexican peso fell to a new low against the dollar after Fiat Chrysler warned it might have to shut factories
share prices of drug companies plunged following Donald Trump’s comment that they “are getting away with murder” in what they charge the government for medicine.
Volkswagen pleaded guilty to criminal charges in America related to its cheating in emissions tests on diesel cars and a subsequent cover-up,
the vice-chairman of Samsung Electronics and heir apparent for the top job, was questioned
Investigators are looking at ties between Korea’s chaebol and politicians, and at claims that the president ordered the state’s pension fund to vote for the merger of two Samsung businesses
Publishers can legally use software to detect if an online reader is using an adblocker and can ask them to switch it off,
Privacy groups have argued that the detection software is illegal and requires readers’ consent before being enabled.

Business this week | The Economist

7 annotations

business and industrial

1696

Spain is about to pass 300 days without a government.
There’s no sense of panic, however. A CIS survey this month showed Spaniards’ chief worry — by far — is the country’s 20 per cent unemployment rate.
It’s true that a country can maintain itself without a government. The problem is if it goes on for too long,’’ said Pin
Meanwhile, Spain is one of the European Union’s fastest-growing economies. The International Monetary Fund says Spain will grow 3.1 per cent this yea
There are clouds on the horizon, however.
The problem will be in 2017, because there’s no budget yet and public investments,
the main issue is investor confidenc

Spain Hasn't Had A Government In 300 Days And Economy Is Booming | Huffington Post

7 annotations

government

m.huffpost.com

1253

Luxottica, an Italian maker of fashionable eyeware, agreed to merge with Essilor, a French company that produces lenses. The €46bn ($49bn) transaction is one of the biggest cross-border deals in the EU to date.
A surge in trading after the election of Donald Trump helped America’s big banks reap big profits in the fourth quarter
Rolls-Royce settled claims dating from 1989 to 2013 that it had bribed officials in various countries in order to win contracts. The engineering company will pay penalties totalling £671m ($809m) to regulators in America, Brazil and Britain.
Fiat Chrysler Automobiles’ share price was left bruised by an allegation from America’s Environmental Protection Agency that it had used software in 104,000 diesel cars to let them exceed legal limits
America’s Federal Trade Commission lodged an antitrust lawsuit against Qualcomm, accusing it of abusing its commanding position in the semiconductor market to impose stringent licensing terms on patents for chips in mobile phones.
, Saudi Arabia said it would soon start accepting tenders for an expansion of solar and wind power in the country that will cost up to $50bn. The collapse of the oil price two years ago tore a hole in the kingdom’s finances. It now hopes to get 30% of its power from renewables by 2030.

Business this week | The Economist

6 annotations

business and industrial

1501

WEF surveyed 750 risk experts and found that rising income and wealth disparity were cited as the most important trends in determining global developments
Social polarisation and climate change were cited as second and third most
It found that of the 12 emerging technologies examined in the report, artificial intelligence and robotics had the greatest potential benefits
We live in disruptive times where technological progress also creates challenges.
Without proper governance and re-skilling of workers, technology will eliminate jobs faster than it creates them. “
The top 5 trends that will determine the future of the global economy
1. Rising Income and wealth disparity 2. Changing climate 3. Increasing polarization of societies 4. Rising cyber dependency 5. Ageing population

Rising inequality behind Brexit and Donald Trump victory is top global threat for the next decade, says WEF | The Independent

7 annotations

society

1723

Identify, document and plan for risks as part of developing strategic alternatives.
Think about the difference between being assertive and being aggressive.
The trick to being assertive is to share your views, but not to force them. Assertive leaders are effective because they look for win-win solutions and show respect for others
Learn to see advantages in changing situations and new developments.
Remember that you do not need to undertake opportunities alone. Make it a collaborative effort by asking valued employees to help you out.
In Conference Board’s 2015 CEO Challenge study, 943 CEOs ranked “human capital” and “innovation” as their top two long-term challenges to driving business growth.
most innovative CEOs don’t ignore risks – they manage them
XBInsight has collected competency data on nearly 5,000 leaders across a wide range of industries
Set a time limit for analyzing a particular situation to avoid overthinking decisions.
Create a learning environment or community to encourage the free flow of new knowledge and perspectives
Stimulate new thinking by examining mistakes and setbacks as opportunities to learn
On the other hand, “supporting” and “contemplative” individuals tend not to be innovative leaders. They need more organizational encouragement and structure to help them bring their out-of-the-box ideas to the table.

The 5 Skills That Innovative Leaders Have in Common

12 annotations

business and industrial

hbr.org

1671

controversial
kicked off
Riddance
shred
from scratch
literally, in the new year.

Public says 'Good Riddance' to 2016 with 10th annual event in Times Square | abc7ny.com

6 annotations

art and entertainment

abc7ny.com

1023

Toxic Sales
a toxic high-pressure sales culture at the bank drove some workers to deceive customers and open unauthorized accounts
As far as what happened to Erik — the big athletic former Wells Fargo banker said after working for the bank for a little more than a year he was having physical reactions to the amount of stress he was under, "upset stomach, nerves, eye-twitching." So his quit his job. "It just got to a point where it was like, I just can't handle this man."
Bulls***," says one former employee who we'll call Worker #1. She doesn't want to use her name for fear that talking to NPR will prevent her from getting a job at another bank.
checking account many other types of products too — credit cards, home loans, lines of credit, etc. Of course, there's nothing wrong with that in principle. But Worker #1 says in practice Wells Fargo pushed it beyond reason.
During a sales push called "Jump into January" former employees say they were expected to sell 20 products a day. That just seemed impossible to Worker #1, and she says the pressure on her and her co-workers to sell was disturbingly intense. "We were all miserable, and it was just soul crushing to walk in every day."
If you don't meet your solutions you're not a team player. If you're bringing down the team then you will be fired and it will be on your permanent record."

Former Wells Fargo Employees Describe Toxic Sales Culture, Even At HQ : NPR

7 annotations

business and industrial

1046

15 jobs offer the best work-life balance
recruiting site Glassdoor recently analyzed — and ranked — the professions best for employees who don't want to let their jobs completely own their free time and life,
One thing we've noticed is work-life balance is on the decline,"
One of the big problems is technology, and the 24/7 nature of email, she added: "People don't feel like they can unplug from their job."

Stressed out? These 15 jobs offer the best work-life balance.

4 annotations

health and fitness

mic.com

1197

In March, temperatures dropped and a storm lashed the Northeast and Midwest. Economists said bad weather accounted for the stepdown in hiring.
U.S. job growth slowed sharply in March amid continued layoffs in the embattled retail sector, but a drop in the unemployment rate to a near 10-year low
The economy needs to create 75,000 to 100,000 jobs per month to keep up with growth in the working-age population
A broad measure of unemployment, which includes people who want to work but have given up searching and those working part-time because they cannot find full-time employment, fell three-tenths of a percentage point to 8.9 percent, the lowest level since December 2007.

Weather dampens U.S. job growth; unemployment rate drops to 4.5 percent | Reuters

4 annotations

work

mobile.reuters.com

1324

The resulting low mortgage rates have helped encourage home purchases and boosted housing prices. However, home prices have risen about twice as fast as incomes over the past 12 months.
One measure of the economy, the unemployment rate, appears to be tied to home prices

America’s fastest growing (and shrinking) housing markets

2 annotations

work

www.usatoday.com

925

an independent ad-fraud researcher, said the recent changes are unlikely to force fake-news sites out of business. Because ad-tech firms make money when ads are shown
Well-known brands' appearance on fake-news sites reflects the complexity of online advertising, where computers can place a different ad each time a user clicks on a webpage
Last month, AppNexus pulled its ads from the right-wing news site Breitbart because of what it said was hate speech on the site. Some big brands, including food company Kellog Co. and insurer Allstate Corp., have blocked their ads from appearing on Breitbart. Breitbart didn't respond to a request for comment.
Ads from companies such as Choice Hotels, SoundCloud and Bose Corp. appear on sites with false or misleading news. Those companies are among thousands of brands that could appear on such sites based on a user's browsing history or demographics.
SoundCloud said it hasn't tried to block its ads from "fake or parody news sites" but is now exploring whether it should. Choice Hotels and Bose didn't respond to requests for comment.

Fake-News Sites Inadvertently Funded by Big Brands - NASDAQ.com

5 annotations

www.nasdaq.com

1026

It assesses, from the perspective of central banks, where we are and where we are going, as well as the outlook for the global economy and markets
Bernanke’s book reflects the elusive quest for higher and more inclusive growth in the global economy.
and the need for an appropriate, more comprehensive policy response -- run through Martin Ford’s analysis in “Rise of the Robots.”
John Kay pushes us to question how the industry has approached and performed its basic function of intermediating savings and other loanable funds to productive activities.

Books to Get You Through the Age of Uncertainty - Bloomberg View

4 annotations

books and literature

1064

The IMEI numbers are still collected in the Android version, which is legitimately bad news, as they could be used to spoof phones and hijack accounts
Is the hot new camera app hiding something? That was the question bubbling up this week
Meitu was full of unusual code, potentially exposing sensitive information to strange third-party servers in China.
The concerns boil down to a number of specific activities, spotted among a mess of borrowed and overlapping code.
the underlying code is part of a larger suite of iOS tools lifted from a Facebook developer toolkit, and there’s no indication hidden frameworks are being used more broadly by the app.
The app attempts to pull a number of identifiers for a phone, including IMEI and MAC address, and even though no ads are shown within the app itself, it ties in with a number of third-party analytics systems that could be used for ad targeting.

Meitu has a tracking problem, not a spying problem - The Verge

6 annotations

movies and tv

www.theverge.com

1499

每次蒸年糕也好像是最後一次，其實他們心底還想繼續，但是帶福佬說，明年若他健康、三叔婆又健康、阿肥又健康，也未必可以繼續蒸，「如果沒有柴燒，也沒得蒸
糯米磨過才會滑口，做好的年糕沒那麼黏牙。22斤米大概需要磨3小時，磨好的米一包包掛起來隔一晚粉水，帶福佬和三叔婆同時準備21斤糖煲糖膠，煲好的糖膠要逐點加入隔好的粉水中攪
三叔婆把柴火透好後，帶福佬一兜一兜疊高落鍋，每兜用兩至三枝竹枝相隔，8大兜穩穩陣陣疊高不傾斜不倒塌，簡直是一門力學
年糕一蒸最少8小時，必須有一個人顧柴火爐，起鍋後需要每兜年糕倒進錫紙盒。7個步驟需時14小時以上

水上人最後的柴火年糕　長洲西灣漁民：冇地盤冇柴燒｜香港01｜社區｜

4 annotations

www.hk01.com

1035

If you take some of the advice out there, and split the use of that $5,000 (half to establish an emergency fund, half to pay down credit card debt
There's one particular nugget of advice that Sallie Krawcheck, a former Wall Street executive and founder and CEO of Ellevest, sees constantly - and doesn't advise anyone to follow.
If you're taking the advice to build up your emergency fund before paying off credit card debt - that's bad
The $2,500 of credit card debt at an 18% interest rate costs you $450 a year. The emergency fund earns almost nothing in interest. So you're out $450.
But otherwise, work on getting rid of outstanding credit card debt off as quickly as possible.
what if something comes up before you've paid it all off? If you happen to run into a true emergency in the interim, you can always put that on a credit card,

Sallie Krawcheck bad money advice money mistake

6 annotations

personal finance

1242

中国互联网的“烧钱之战”（作者为英国《金融时报》查尔斯•克洛弗）
楼市之惑”系列报道（作者为中国独立房地产研究人士沈晓杰）
“拆分北京”系列报道（作者为资深媒体人黎岩）

FT中文网年度好文推荐：投资与财富管理 - FT中文网

3 annotations

1013

Peru's Sacred Valley
The only time you can visit Antarctica is during its short summer (the coldest part of our winter). Unless you're part of a sanctioned scientific group on a research base, the only way to get there is by an ice-piercing ship, which means braving the two-day (each way) roller-coaster journey across the typically raging Drake Passage.
El Chaltén, Patagonia, Argentina
Antarctica
For an easier day hike, try the Laguna Torre trail, which puts you at the base of a crystal-clear glacier pool overlooking Cerro Torre, the highest peak in the Fitz Roys.

Best Places to Visit in the World for Vacation or Weekend Trips 2017 - Thrillist

5 annotations

vacation rentals

www.thrillist.com

1404

密探
而以 1920 年日治時期朝鮮為背景的《密探》，更成為代表韓國參加奧斯卡最佳外語片競賽的影片，成為口碑與票房雙贏的佳片，到底這部電影有何過人之處呢？
導演金知雲將《密探》定義為諜戰片，也是他一直很想拍攝的題材，認真思考後，才決定將故事背景設定在日據時期。
在《密探》中，依然隨處可見金知雲強烈的個人色彩。擅長打破空間、時間的概念營造恐怖氣氛的他，一連串的事件清楚交代時序，以急迫的緊張感在觀眾內心創造了驚恐情緒；諜報槍戰、火花四射，嚴刑逼供、爛肉殘肢，這些看來血淋淋又詭異的殘酷場面，卻搭配著不協調的古典優雅樂音，讓一切看來荒繆又感傷。
密探》是華納兄弟首部投資的韓國電影，耗資 140 億韓幣（約合台幣 4.15 億），除了諜戰場面浩大外，華麗古典的布景包裝及飽和度極強的視覺，更加強這部電影的高度可看性，在爛番茄上新鮮度高達 100%。

年度壓軸韓影《密探》，是賣座與口碑的最大值？ - Punchline 娛樂重擊

5 annotations

punchline.asia

1058

人们对魏则西事件的关注很快就转到对百度公司的声讨上
因为魏最后就诊的医院，正是通过花钱买到搜索结果第一的位置的。
早在2008年，中国官媒中央电视台就曾连续两天曝光过百度竞价排名的黑幕，对其赚钱的方式进行过挖掘
碰瓷”应是近年中国流行速度最快的词汇之一，某些地方甚至出现“碰瓷”专业团伙
各地治霾措施五花八门，各出奇招。先是西安被曝防霾禁卖炒菜

回首2016：雾霾里的中国 - FT中文网

5 annotations

1749

去年最后四个月中国赴韩游人次却同比增长27%至380万。
游客人数的上升也在网上引发了一些反思。在问答网站“知乎”的一个名为“为什么韩国部署萨德系统了，中国去韩国旅游的人数这两天反而变多了？”的话题中，一个用户开玩笑地答道：“可能他们比较信任萨德的拦截和攻击能力吧。 ”
与执政的中共关系密切的《环球时报》(Global Times)去年8月报道称，随着反韩情绪不断增长，韩国旅游业必将遭遇强劲的顶头风。该报还警告称，如果中国游客走开，没有哪个国家能填补这个空缺。然而，跟踪研究中国游客的《精旅传媒》(Jing Travel)的丹尼尔•米萨克(Daniel Meesak)表示，尽管“中国媒体一直在推进（游客人次会减少）这个议题，数据却指向了另一个方向”。
韩国表示，萨德系统可使韩免受具备核能力的朝鲜的打击。但中国认为，该系统削弱了中国自身的防卫能力
饮食和购物的吸引力压过了政治，去年中国赴韩游客人数创下纪录
首尔方面去年7月决定允许美国在韩部署末段高空区域防御系统（THAAD，中文简称：萨德）之后的4个月里，赴韩旅游的中国游客超过380万人次，同比增长27%。中国官媒曾表示，游客人数或大幅下滑

中国游客无视萨德争端赴韩游人次不降反升 - FT中文网

6 annotations