July 23 2014Sheets of a DuPont Tyvek fiberglass

first_imgJuly 23, 2014Sheets of a ‘DuPont Tyvek’ fiberglass cloth were applied between the layers of poly urathane foam.Jeff Stein: “And by the way, we used that very material, Tyvek, during the 1978 festival “Art and the Environment” here at Arcosanti, to make indestructable Japanese kites with artist Tal Streeter. It looks and feels just like rice paper, except you cannot tear it. THe US Post Office uses it, too, for certain envelopes, and it is used on roofs and walls as a building-wrap, the way we just used it on the East Housing roof.”[photos and text by Sue Kirsch]The final coat is a brilliant white.A few pavers have been laid to allow access to the skysuite.In the back of the photo we see a wooden form for a new final step to the stair case by which one has access to the East Housing roof.last_img read more

Rep McCready hosts office hour in West Bloomfield

first_img10Apr Rep. McCready hosts office hour in West Bloomfield Categories: McCready News State Rep. Michael McCready of Bloomfield Hills will host an open office hour on Friday, April 28.The event will be from 12:30 to 1:30 p.m. at the West Bloomfield Public Library in the Main Branch Conference Room at 4600 Walnut Lake Road.“This is a great opportunity to make your voice heard,” Rep. McCready said. “I am interested in hearing about what issues are important to the people in the community.”No appointment is necessary. Those unable to attend may contact Rep. McCready at MikeMcCready@house.mi.gov or 517-373-8670.#####last_img read more

Rep Albert introduces bill to make millage elections more transparent

first_img21Jul Rep. Albert introduces bill to make millage elections more transparent State Rep. Thomas Albert, of Lowell, has introduced legislation to ensure more voices are heard during elections which determine the fate of local millage proposals.Albert’s bill limits local millage proposals to the November ballot, unless a statewide special election or recall election is being considered.“Voter turnout is historically roughly 30% in August and 20% in May elections,” Albert said today. “We should have a goal of maximum voter turnout when ballot questions impact a voter’s tax bill.   Voter turnout is clearly highest during November elections.”Albert said he has heard from senior citizens who feel as though local millage proposals are intentionally placed on the ballot during elections for which low voter turnout is expected.  Some seniors are not aware that the millage was on the ballot until they later receive their new tax bill.“Seniors on fixed incomes cannot afford to pay more and more in taxes every year,” Albert said. “It’s important to ensure that we protect our seniors and we must end the practice of taxation without voter participation.”In addition, Albert noted that local districts save money by holding elections in November.  “Costs for conducting an election can be quite high, and it’s a more efficient use of taxpayer dollars to put school millage proposals on the ballot when statewide elections are already being held,” Albert said.House Bill 4814 was referred to the House Elections and Ethics Committee.#### Categories: Albert News,Newslast_img read more

Disabled voters have told a minister what he shoul

first_imgDisabled voters have told a minister what he should do to make it easier for them to take part in the democratic process.Disabled service-users and representatives of three Brighton charities met Chris Skidmore, the minister for the constitution, when he visited them this week as part of an ongoing national tour.The three charities, Brighton Housing Trust, which deals with housing, homelessness, substance misuse and mental health issues; Blind Veterans UK; and the advocacy charity Brighton and Hove Speakout, have all worked to improve disabled people’s participation in the democratic process.Skidmore (pictured) was visiting Brighton as part of his Every Voice Matters tour, which is aimed at helping tackle barriers to voter registration, and is part of the development of his democratic engagement strategy.A spokeswoman for Skidmore said the strategy would “set out how the government will make our democracy as inclusive as possible”.One of the disabled campaigners the minister met was Rohan Lowe, a trustee of Brighton and Hove Speakout, and a participant in the charity’s Being Heard in Government project, which aims to ensure people with learning difficulties are more involved in democracy.He and his colleagues stressed the importance of political parties producing accessible election manifestos.He said they also told the minister how election candidates frequently use “jargon”, and how support workers often tell the person they are supposed to be supporting how to vote.Lowe also told the minister how he had asked a question at a Brighton and Hove City Council public meeting, but had found it difficult to respond when asked if he wanted to ask a “supplementary question”.He told Disability News Service that he and his colleagues had been “quite impressed” by what Skidmore told them, and that the minister had promised that communities and local government secretary Sajid Javid would respond to recommendations made in the group’s report on accessing democracy.Asked how important it was to ensure people with learning difficulties had access to the democratic process, Lowe said: “It is very important, because the decisions that are made affects them directly.“It is their services that will be or are affected by decisions that are being made.”Skidmore also met with residents and staff at Blind Veterans UK’s Brighton Centre, which has worked with the city council to improve access to voting.Sharman Collins, the centre’s social worker, said the centre – which has 32 permanent residents but also offers respite and holiday facilities, training and rehabilitation – had “quite a good record” of enabling residents to vote and worked “quite closely with the council to make sure that happens”.One positive development nationally, she said, was the introduction of a waiver form which means voters whose signature has changed over time – like many of the centre’s residents – do not now need to sign the form applying to vote by post or to allow someone to vote on their behalf.But she said the minister had been told by residents of the need for more accessible information at election time and for more visits from parliamentary candidates to services such as the Brighton Centre during election campaigns.She praised the minister for “listening” during his visit, but added: “He was really open to people’s views but he didn’t really give us his vision of where things were going to go in the future.”Skidmore said the visits had helped him “understand how we can support vulnerable people to ensure that ours is a democracy that everyone can participate in.“Nearly three million applications to register to vote were received online between 18 April and 22 May but there are still under-represented groups we can improve the processes for.“Regardless of who you are, or how you vote, every voice matters and we encourage you to register to vote.”last_img read more

Changes that mean some sick and disabled benefit c

first_imgChanges that mean some sick and disabled benefit claimants will no longer need to face repeated assessments of their capability for work are “meaningless” because the government has refused to say which people will be affected, say campaigners.The Department for Work and Pensions (DWP) announced last week, on the eve of the Conservative party conference in Manchester, that some claimants in the support group of employment and support allowance (ESA) – and the equivalent universal credit group – would no longer need to attend “routine reassessments”.They will be told they will not be assessed again after they have received the results of their work capability assessment (WCA), which tests eligibility for fitness for work.DWP said the change applies to those with “a severe, lifelong disability, illness or health condition” who are “unlikely to ever be able to move into work”.It was first announced by the then work and pensions secretary Damian Green at last year’s party conference, and has now finally been implemented, but DWP refused to say this week which claimants would be spared reassessments.David Gauke, the new work and pensions secretary, told the conference that the government would “support those who are unable to work, while helping those who can work to maximise their potential”.He said that about twice as many people were expected to benefit from the rule change as ministers had originally expected.But asked by Disability News Service what the eligibility criteria were for the new exemption, a DWP spokesman said: “I’m not in a position to share the information you’ve requested. However, more details will be released shortly.”He added later: “I’m afraid that I can’t elaborate. However, I can reassure you that people going through their assessments will be made aware of the changes and the fact a new criteria will be used.”A Conservative party spokesman had failed to comment by noon today (Thursday) on the refusal to describe which groups would be spared reassessments.Ellen Clifford (pictured, right, speaking at last week’s Labour conference), a member of the national steering group of Disabled People Against Cuts, said: “Without any information on who will be spared reassessment, this announcement means absolutely nothing.“Sadly, we can’t trust that everyone with an impairment where their support needs are not going to reduce will benefit from this, and without further detail on the exemptions we are unable to gauge how far this measure will mitigate the current harm that the benefit assessment regime is causing.“The fact that for the second year running, the Conservatives have chosen to trail their conference with an announcement on disability does indicate that they are feeling the pressure of their appalling record on disability.“That’s a pressure we need to maintain if we are to secure meaningful reversals on the issues that are hurting disabled people the most.”Disabled researcher Stef Benstead, a member of the Spartacus online network, said: “It is useless without any more information because we do need to know exactly who they are referring to.“I do not believe they are going to stop reassessing me because I have a severe lifelong condition.”She said she believed that the rule change would only affect those ESA claimants who were already not being called for reassessments because DWP did not have the capacity in the system to deal with them.Benstead said that Gauke’s claim that the new rules would help twice as many people as originally thought showed that DWP should be able to say who will be affected.She said: “It does suggest they have a defined group in mind.“They must have some internal definition or description of who they think it will affect, and if they have got that they should be telling us because we are the ones who actually live with chronic illness or disability who could inform them on how sensitive and specific their definition is.”Meanwhile, the minister for disabled people, Penny Mordaunt, does not appear to have spoken at any event at the conference that was open to the media, and only spoke at a private roundtable event.Her office also failed to respond to a request for a conference interview with DNS.Mordaunt’s silence, and refusal to speak in public at the conference, comes just weeks after the UN’s committee on the rights of persons with disabilities told the UK government to make more than 80 improvements to the ways its laws and policies affect disabled people’s human rights.The committee also told the government to produce an annual progress report on how it is implementing the recommendations of a damning inquiry that found it guilty of “grave and systematic violations” of key parts of the disability convention, caused by its social security reforms.A Tory party spokeswoman had not commented by noon today (Thursday) on why Mordaunt was not speaking at any public fringe events.last_img read more

The Big Reason Why You Should Hire Highly Educated Employees

first_img Next Article The Big Reason Why You Should Hire Highly Educated Employees Nina Zipkin Entrepreneur Staff They are more likely to detect patterns and speak up if something seems amiss. Add to Queue Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. Hiringcenter_img –shares Image credit: graphicstock 2 min read When you’re looking to hire, you’re thinking about cultural fit and whether a candidate has not only the qualifications to fulfill your company’s needs now, but also the potential to take on more responsibility in the future.Despite the debate around whether leaders need college degrees, a recent study out of the University of Georgia found that the educational background of non-executive hires can make a big difference in the long term success of your business — and keep you out of trouble with the law.Researchers found that when it comes to handling sensitive financial data, employees who have the most extensive educational backgrounds are best at forecasting trends and dealing with legal matters.Related: Education vs. Experience: Which One Is More Important?”We find that when companies are located in a place where the workforce is highly educated, they produce better accounting information,” said study co-author John Campbell, an associate professor of accounting in UGA’s Terry College of Business, in a summary of the findings. “The employees don’t have to be experts in accounting, but if they see something that doesn’t look right, they’re more likely to say something about it and tell their superiors about it.”As your business expands, you need to be on top of your books, and non-executive employees often are the first line of defense for finding errors in your accounting. Building off that observation, the researchers also identified a correlation between educated populations and fewer instances of misconduct in both business and politics.”There’s a study in political science showing that states that have more educated voter bases have less corruption in their political systems, and we wanted to see if that analogy held in business,” Campbell said. “One of the reasons for that might be whistleblowers. In both instances, the better-educated the population is, the more likely there will be a whistleblower if something bad is going on.” Staff Writer. Covers leadership, media, technology and culture. Register Now » September 22, 2017last_img read more

Health Regulators Are Investigating Theranoss Blood Test Technology

first_img Geoff Weiss Learn from renowned serial entrepreneur David Meltzer how to find your frequency in order to stand out from your competitors and build a brand that is authentic, lasting and impactful. Next Article –shares Health Regulators Are Investigating Theranos’s Blood Test Technology Following complaints by two former Theranos employees, the U.S. government is investigating claims that the beleaguered blood startup forged ahead with faulty testing and employed questionable lab protocols, casting greater doubt upon its proprietary technology, which purports to conduct a wide range of tests using a mere finger prick of blood.The first complaint, filed to the Centers for Medicare and Medicaid Services (CMS), a federal health agency, alleges that managers at Theranos told staffers to continue using its technology in 2013 and 2014 despite the fact that it derived “radically different results” in the span of a single day, according to The Wall Street Journal, which was first to report both complaints.The former employee also told CMS that, until as recently as May, Theranos had diluted the tiny samples of blood it collects to create a larger sample that it could then run on a traditional lab machine — a practice experts say can result in error.With regard to the CMS complaint, a Theranos spokesperson told the Journal that the company had not been provided with “a copy of any alleged complaint, so we have no basis to evaluate what is in it or even if a complaint has been filed.”Related: Safeway Seeks to Dissolve Secret $350 Million Deal With Beleaguered Blood Startup TheranosThe second complaint, sent to the Food and Drug Administration (FDA), alleged that the company’s approved test for herpes, which is the only test it can currently conduct using its proprietary technology, was attained using imprecise lab practices. The former employee said that Theranos underreported how often its machines broke down during the process, and added that crucial parts of its devices were modified during the test.With regard to this complaint, Theranos founder Elizabeth Holmes has previously denied diluting samples, after an exposé by the Journal last October dredged up many of the same allegations. At the time, Holmes told the Journal that “it’s just not possible to dilute a sample and put it on to a commercial analyzer.”Theranos also told the Journal that it adhered to protocols in submitting its herpes test to the FDA. Buchanan called the former employee who filed the complaint “disgruntled” and “uninformed.”Theranos, formerly a darling of the startup world with a valuation of $9 billion, has seen its reputation punctured in recent months as its accuracy and honesty have come under fire. Thirty-one-year-old Holmes, who is the world’s youngest self-made billionaire, has orchestrated a bold PR coup and restructured the company’s illustrious board in a bid to attain FDA approval and refute the potentially damning press.Related: Out For Blood: Theranos Orchestrates Bold PR Coup in the Face of Damning Allegations December 21, 2015 Image credit: Shutterstockcenter_img Fireside Chat | July 25: Three Surprising Ways to Build Your Brand Former Staff Writer 3 min read Add to Queue Theranos Enroll Now for $5last_img read more

Hep C and drug abuse often go hand in hand but screening

first_img This article was reprinted from khn.org with permission from the Henry J. Kaiser Family Foundation. Kaiser Health News, an editorially independent news service, is a program of the Kaiser Family Foundation, a nonpartisan health care policy research organization unaffiliated with Kaiser Permanente. Reviewed by James Ives, M.Psych. (Editor)Dec 19 2018When people seek help at a drug treatment center for an opioid addiction, concerns about having contracted hepatitis C are generally low on their list.They’ve often reached a crisis point in their lives, said Marie Sutton, the CEO of Imagine Hope, a consulting group that provides staff training and technical assistance to facilitate testing for the liver-damaging virus at more than 30 drug treatment centers in Georgia.”They just want to handle [their drug problem],” she said. “Sometimes they don’t have the bandwidth to take on too many other things.”Even though health care facilities that serve people who use drugs are well-positioned to initiate screening, too often that is not happening, recent studies have shown. Not testing these patients for hepatitis C is an enormous missed opportunity, public health experts agree.”It’s a disease that can be cured the moment we identify somebody,” said Tom Nealon, president and CEO of the American Liver Foundation. “Not testing is incomprehensible when you look at what hepatitis C does to their bodies and their livers.”As the number of people who inject drugs has soared, the rate of hepatitis C infection, frequently tied to sharing needles, has climbed steeply, too.People who are infected with hepatitis C can go for years without symptoms, so they may not have any inkling that they’re sick. That delayed onset makes screening important, advocates say, since people may unwittingly infect others.Screening people who misuse drugs for the deadly virus is a commonsense strategy to get people cured and break the cycle of transmission. But there are obstacles — sometimes a lack of money, staff or other resources.”Reimbursement rates for hepatitis C testing often don’t match the cost,” said Andrew Reynolds, hepatitis C and harm reduction manager at Project Inform, an advocacy group. If patients test positive, they need to be linked to treatment, and financial support for staffing to do that is often limited, he said.Only 27.5 percent of 12,166 substance abuse facilities reported offering testing for hepatitis C in 2017, according to research published on the blog for the journal Health Affairs in October. It is one of the first studies to look at this issue since the federal government began reporting on testing for HIV and hepatitis C in its national survey of substance abuse and treatment services in 2016.When researchers narrowed their analysis to the much smaller number of opioid treatment programs that are federally certified to use methadone and other drugs in treatment, a higher, but still not overwhelming, proportion — just over 63 percent — said they offered screening for hepatitis C.”We certainly thought the numbers would be higher,” said Asal Sayas, a co-author of the analysis and director of government affairs at amfAR, the Foundation for AIDS Research. “Testing is one of the most fundamental forms of prevention.”In primary care settings, the situation sometimes isn’t much better, even when patients have a diagnosed “opioid-use disorder.”An analysis by Boston Medical Center researchers of nearly 270,000 medical records of people aged 13 to 21 who visited federally qualified health centers from 2012 to 2017 found that 36 percent of the 875 patients with that diagnosis were tested for hepatitis C.”Even in a setting with an identified risk factor in opioid-use disorder, too few youths are being screened for hepatitis C,” said Dr. Rachel Epstein, a postdoctoral research fellow in infectious diseases at Boston Medical Center and a co-author of the study, which was presented at the annual meeting of the Infectious Diseases Society of America in early October.Hepatitis C is a virus that causes inflammation to the liver, in some cases leading to scarring, liver cancer and death. It is transmitted through blood, including contaminated needles that people share when they inject drugs.The initial test for hepatitis C is an inexpensive blood test to check for antibodies in the blood that indicate exposure to the virus. If that antibody test is positive, a second test is necessary to find out if the virus is circulating in the bloodstream, which would mean someone is infected with the virus. The secondtest can cost several hundred dollars, experts say.Related StoriesStudy evaluates long-acting HIV therapy in patients unable to adhere to strict daily regimensNew project involves understanding link between opioid crisis and cancerPatients reading clinician visit notes report positive effects on use of prescription medicationsTo be sure, some federally qualified health centers have made testing for hepatitis C a priority. Clinicians at two community health centers run by Philadelphia FIGHT — which was established as an AIDS service organization — test many of their patients who are at high risk because of injection drug use or unsafe sexual practices, such as having sex with an infected partner. The screenings are often done on an annual basis, with a reminder to the medical personnel in the patient’s electronic medical record.”That’s something pretty basic that we’ve done in our community health centers to make sure we’re testing people and providing a cure,” said Dr. Stacey Trooskin, director of viral hepatitis programs at the FIGHT centers and clinical assistant professor at the University of Pennsylvania Perelman School of Medicine.Among at least 3.5 million people who have the disease, most are baby boomers who were infected before routine screening of donated blood began in the early 1990s. In recent years, as the drug epidemic has taken hold, new infections have been concentrated among young people who inject drugs, in particular those between ages 18 and 29, according to the federal Centers for Disease Control and Prevention.Complicating the effort to get people screened is the fact that many of the people who enroll in drug treatment programs are uninsured, said Imagine Hope’s Sutton. In states that have expanded Medicaid under the Affordable Care Act, the program generally picks up the tab for hepatitis C testing and treatment, though often with restrictions. But 14 states, including Georgia, haven’t expanded that coverage for adults with incomes up to 138 percent of the federal poverty level ($16,753 for one person).Insurance coverage isn’t the only challenge. If people have to come back to a clinic for the second test, chances are they may fall through the cracks and not get that follow-up.When a patient tests positive, a nurse or counselor at the drug treatment center, who is likely overbooked working with patients to address their addiction, must carve out time to explain this new diagnosis and talk through treatment options.”There’s a whole system of care that needs to be built for these people and, unlike HIV, it doesn’t exist for hepatitis C at this time,” Sutton said.Like many other clinics around the country, hepatitis C testing at Georgia drug treatment centers is supported with funding from the Focus program, sponsored by drugmaker Gilead — the first company to offer a new class of highly effective drugs that generally cure hepatitis C in three months or less with few side effects.Gilead didn’t respond to requests for comment.Finding resources to pay for treatment is also difficult. The high costs of the new drugs when they were introduced led some public and private insurers to strictly limit access. But, in recent years, drug prices have come down as more drugs hit the market and many states have loosened Medicaid restrictions.For example, New Mexico’s Medicaid program doesn’t require that people be sick or abstain from using illicit drugs or alcohol for a time before starting treatment. Still, “hepatitis C testing remains out of reach for many because their providers aren’t aware that their patients can get treated,” said Kimberly Page, an epidemiologist and professor of internal medicine at the University of New Mexico who focuses on hepatitis C.last_img read more

Most problems with catheter use stem from poor physiciannurse communication

first_imgReviewed by Alina Shrourou, B.Sc. (Editor)Jul 2 2019Indwelling devices like catheters cause roughly 25% of hospital infections, but ongoing efforts to reduce catheter use and misuse haven’t succeeded as much as health care workers would like.But most problems with catheter use stem from poor physician-nurse communication, according to a new University of Michigan study.Milisa Manojlovich, a professor at the U-M School of Nursing, says the bigger picture underscores a more disturbing problem: Even routine patient care such as catheter use can cause serious problems for patients if communication breaks down among health care workers. Related StoriesBordeaux University Hospital uses 3D printing to improve kidney tumor removal surgeryWVU researcher investigates how nursing homes can best meet obese residents’ healthcare needsStudy paints clear picture of the staffing levels of nurses at nursing homesManojlovich and colleagues interviewed a small group of nurses, physician assistants, nurse practitioners and physicians about problems monitoring and communicating among their teams about patients’ indwelling catheters.All respondents said poor communication delayed removal of unnecessary catheters. Communication broke down for various reasons and on many levels: poor relationships between doctors and nurses, hierarchical differences or misalignment of workflows that prevented nurses from being present for daily rounds (when surgeons and health care teams review patient care plans).Catheters are hidden beneath blankets, so physicians don’t automatically know who’s using one––especially if a nurse isn’t there to point it out.Often, catheters remain in too long, which can cause infection, or they aren’t necessary at all. It’s estimated that 60% to 90% of intensive care patients, and 10% to 30% outside the ICU have urinary catheters, according to the study.”Any foreign object in the body carries an infection risk, and a catheter can serve as a superhighway for bacteria to enter the bloodstream or body,” Manojlovich said.Electronic health records also cause confusion––sometimes nurses and doctors have different information, or there’s a lag updating charts, or a reliance on both paper and computer records causes problems, she says.Research shows that some patients and caregivers request catheters, believing they’re preferable to getting up to use the toilet, Manojlovich said. However, they should understand that catheters bring risk of infection, and non-infection risks such as pain, trauma or bleeding, and should talk to their nurse or physician about complications.The study, “Contextual barriers between physicians and nurses about appropriate catheter use,” is slated for the July issue of the American Journal of Critical Care. Source:University of MichiganJournal reference:Manojlovich, M. et al. (2019) Contextual Barriers to Communication Between Physicians and Nurses About Appropriate Catheter Use. American Journal of Critical Care. doi.org/10.4037/ajcc2019372 Even those mundane, simple things can have unintended consequences way beyond their scope. People get catheters all the time, but meanwhile they cause lots of harm so we need to talk about them. This study found a whole host of factors that affected the ability to discuss this issue.”Milisa Manojlovich, Professor, U-M School of Nursinglast_img read more

Toyotas Planobased CEO talks selfdriving cars and the real reason the automaker

Citation: Toyota’s Plano-based CEO talks self-driving cars and the real reason the automaker suspended testing (2018, April 6) retrieved 18 July 2019 from https://phys.org/news/2018-04-toyota-plano-based-ceo-self-driving-cars.html While executives emphasized they didn’t know the particulars of the crash, Toyota quickly announced that it was suspending testing of its “Chauffeur” self-driving vehicle system on California and Michigan streets.Jim Lentz, Toyota’s Plano-based North American CEO, recently told the Dallas Morning News that it wasn’t doubts about the technology that spurred the auto giant’s move.”We were concerned that our drivers have been upset,” he said, speaking from the New York Auto Show. “We’ll go back into testing as soon as our drivers are ready to get back behind the wheel.”Lentz said that even the test cars in its “Chauffeur” self-driving mode—meaning the vehicle is fully in control—typically have two drivers and two steering wheels.”And there are just a small number that are tested on public roads. He wouldn’t say exactly how many such cars are there are.Lentz said that although Toyota doesn’t know about the specifics about the Arizona crash, the questions it raises are interesting.While he doesn’t anticipate that the crash will slow down the automaker’s timeline—Toyota has said it hopes to showcase fully self-driving delivery vans at the 2020 Tokyo Olympics—it has forced drivers and regulators to think about their “appetite for risk.”How quickly autonomous cars will be rolled out for the general public, Lentz said, will be “based primarily on two things.” Neither of them have anything to do with the technology.”One is cost,” he said. “Today, autonomous vehicle systems are $100,000 to $150,000—those costs have to come down before you have widespread use.”The second is how many high-profile accidents like the one in Arizona lawmakers are willing to stomach to save more lives in the long run.”My thinking on policy is, we believe first and foremost that autonomous cars are there to save lives—not to put Uber drives out of business,” Lentz said. “Autonomy could technically save 35,000 lives a year, but it won’t be perfect and people will lose their lives.”The way Lentz figures it, tens of thousands of people die in car crashes in the U.S. each year.According to the federal Department of Transportation, more than 37,000 people died on U.S. roads in 2016, the most recent year available.If most of those are in some way the result of human error, then autonomous cars could eliminate the vast majority of crashes. But the number is never going to get down to zero, Lentz said.”Even if you save a net, as a government policy are you willing to accept other similar accidents?” he said. “If the answer is, ‘No,’ I think that’s going to slow down the adoption of these (higher level) autonomous vehicles.”Still, Lentz said cars are evolving to be closer to autonomous, even if they don’t fully drive themselves.”Today we have emergency braking and a host of sensors, which are a precursor to autonomy,” he said. “That next step, in our case, is this guardian mode, where you will be in control of your car but they will prohibit you from making a big mistake—stop you from turning down a one-way street.”Then, he said, you get to the level of autonomy of Toyota’s “Chauffeur” mode.The race to get self-driving technology to consumers has, nevertheless, been a major concern for automakers like Toyota.In early March, Toyota announced it was spending almost $3 billion to start a new company based in Tokyo aimed specifically at taking the research and development that the world’s dominant carmaker has been doing at its Toyota Research Institute facilities and creating software that will get those ideas into vehicles.Meanwhile, Plano-based Toyota Connected, another “startup”-type Toyota company, has been working to harness vast amounts of data to build broader mobility platforms that can do things like manage fleets of rental cars—cars that executive say will eventually be self-driving.”I think we’re on track,” Lentz said. Explore further Toyota suspends self-driving car tests after Uber death When a woman crossing an Arizona street was struck and killed by a self-driving Uber car late last month, it sparked a swift public reckoning over the near-term future of autonomous vehicle testing on public roads. ©2018 The Dallas Morning News Distributed by Tribune Content Agency, LLC. This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. read more

New financial apps demystify stocks and bonds for Latinos

first_img This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. Carlos Garcia was three years into his first job in technology at Merrill Lynch when he first learned what a 401K retirement savings account was. He was floored when he learned that a colleague had already saved $30,000 in three years, and the company had matched it. Another is Mi Dinero Mi Futuro, a personal financial planning platform started by Ramona Ortega, a former New York corporate attorney who became preoccupied with the lack of financial literacy among Latinos while working in bankruptcy and securities litigation.”No one talked to me about money,” said Ortega, the daughter of Napa Valley farm worker and the first in her family to go to college. “The fact is that our communities have not had a legacy of talking about money.”Finhabits follows in the footsteps of robo-advisors Betterment, Wealthfront and Acorn, which use computer algorithms instead of a traditional wealth adviser to manage customer funds across various types of investments. Ortega’s platform is similar to more well-known personal finance apps Mint and Credit Karma; it offers personalized budgeting tools and recommendations for affiliated financial products. More than competing with established players, the founders of Finhabits and Mi Dinero Mi Future see themselves as creating a new market among Latinos, who they believe are overlooked by traditional financial institutions and even many of the digital newcomers.It is not an easy market to penetrate, however.According to a 2014 Prudential Research study, just 19 percent of Latinos had individual retirement accounts and less than 10 percent had investments in individual stocks, bonds of mutual funds. Only about 60 percent of Hispanics had a savings account, compared to 80 percent of the general population. The study cited various factors, including uncertainty among immigrants about what will happen to investments if they leave the country, distrust of financial institutions and difficulty understanding products. In this Tuesday, May 22, 2018 photo, Carlos Garcia, founder and CEO of Finhabits, speaks during an interview with The Associated Press in New York. Finhabits is a bilingual digital platform designed to make savings and investment accessible for Hispanics. (AP Photo/Mary Altaffer) Citation: New financial apps demystify stocks and bonds for Latinos (2018, July 2) retrieved 18 July 2019 from https://phys.org/news/2018-07-financial-apps-demystify-stocks-bonds.html In this May 24, 2018, file photo, Rosa Franco, director of lending at Neighborhood Trust Federal Credit Union walks out of the bank to head upstairs to the offices of one of their financial partners in New York. Franco says the credit union’s partnership with Finhabits still in development and she anticipates a challenge in marketing the service to her clients, many of whom are consumed by pressing concerns like debt repayment and or sending money to relatives abroad. (AP Photo/Julie Jacobson) Garcia said Finhabits has about 10,000 active clients who invest an average of $40 a week. It is signing up about 1,000 new clients each week and aiming for 50,000 by the end of the year.One challenge for financial start-ups is earning the public’s trust. Finhabits and Mi Dinero Mi Futuro are trying to that through partnerships with institutions already targeting minority and underserved communities.Finhabits is a provider in Washington state’s newly established Retirement Marketplace, which helps individuals and small businesses find low-cost retirement saving plans. Nearly 80 percent of the West Coast state’s 385,500 Hispanic workers are not covered by an employer-sponsored plan, said marketplace director Carolyn McKinnon.Finhabits also has partnerships with credit unions, including Neighborhood Federal Credit Union, which serves New York City’s predominantly Latino neighborhoods of West Harlem, Washington Heights and Inwood.Rosa Franco, director of lending at the credit union, said the partnership is still in development. She anticipates a challenge in marketing the service to her clients, many of whom are consumed by pressing concerns like debt repayment and or sending money to relatives abroad.”It’s difficult for many people to think about the future. They live paycheck to paycheck. Many people just think Social Security is their only option for retirement,” said Franco, who used the Finhabits app herself to open a Roth IRA. In this May 24, 2018, photo, fliers offering financial advising services to clients hang in a cubicle at the Neighborhood Trust Federal Credit Union in Washington Heights in New York. The credit union is offering services through a developing partnership with Finhabits, a bilingual digital platform designed to make savings and investment accessible for Hispanics. (AP Photo/Julie Jacobson) In this Tuesday, May 22, 2018 photo, Carlos Garcia, founder and CEO of Finhabits, speaks during an interview with The Associated Press in New York. Finhabits is a bilingual digital platform designed to make savings and investment accessible for Hispanics. (AP Photo/Mary Altaffer) In this May 24, 2018, photo, Rosa Franco, director of lending at Neighborhood Trust Federal Credit Union talks with employees at the bank in New York. Franco says the credit union’s partnership with Finhabits is still in development and she anticipates a challenge in marketing the service to her clients, many of whom are consumed by pressing concerns like debt repayment and or sending money to relatives abroad. (AP Photo/Julie Jacobson) Another study, done in 2016 by the Pew Charitable Trusts, found that more than 60 percent of Latino workers lacked access to an employer-sponsored retirement plan, compared to 40 percent for white workers.”This demographic has been very tough to crack historically,” said William Trout, head of wealth management research at Celent, a consulting firm focused on financial services technology. “Will that second generation look for a platform that is speaking to a Hispanic population? Well, somebody has to test it. I think it’s worth a shot.”With Finhabits, beginner investors can start with $5 weekly contributions into traditional IRA, Roth IRAs or taxable investment accounts for shorter-term goals. Finhabits asks users about their priorities and risk tolerance and then recommends investment portfolios. The money goes into low-fee exchange trade funds from Vanguard and BlackRock.Through its app, blogs and text-messaging services, Finhabits explains financial concepts (portfolio diversification? It’s like ordering different types of tacos) and compound interest to persuade people that investing their money is safer and wiser than trying to “hit the fat one,” as Latinos refer to the lottery jackpot.Crucial to the Latino community, Finhabits lets users open an account with an Individual Taxpayer Identification Number, a processing number issued by the Internal Revenue Service for people who are required to pay taxes but do not have Social Security numbers. That makes the service accessible to immigrants who are not legal residents but still pay federal taxes.Savvier investors can simply set up accounts directly with Vanguard or BlackRock, which require more active knowledge of investing. But most often, those big players don’t have formal marketing strategies for Hispanics. Explore further Millennials are not adequately saving for retirement, study finds © 2018 The Associated Press. All rights reserved. Ortega, who recently received a new round of investment from venture fund Backstage Capital for Mi Dinero Mi Futuro, crisscrosses the country giving workshops at universities and Hispanic professional organizations.At a financial boot camp in Los Angeles City Hall, Ortega won over Liliana Aide Monge, who moved to the U.S. from Mexico at age 5 and is now the co-founder of Sabio, web development and cybersecurity training company.Growing up, Monge said her family was “not part of the formal banking structure at all. The money came in and you pay the rent and you pay for food.”Now a mother of two boys, Monge has used Mi Dinero Mi Futuro to budget her money, buy life insurance and open a high-yield savings account.”It was an eye-opening experience,” she said. The concept of making money off money was foreign to Garcia, an MIT graduate who was born in Texas to immigrants from Mexico. His story is not uncommon among U.S. Hispanics, who lag behind other demographic groups when it comes to saving for retirement. But for Garcia, the episode became the inspiration many years later for Finhabits, a bilingual digital platform designed to make savings and investment accessible for Latinos.Finhabits launched last year into a crowded world of robo-advisers, savings apps, online lending platforms and other financial-technology companies.But it is one of the few aimed at demystifying stocks and bonds for Hispanics, particularly young professionals who have the means to start investing but may have inherited a fuzzy understanding of the financial system from their immigrant parents.”Hispanics are very hard workers and we are able to generate quick income for our families. Sometimes we are good at savings but we put the money under the mattress,” said Garcia, who previously founded two other companies, including an internet analytics service for hedge funds.Other financial-tech startups aimed at Latinos have focused on immediate financial needs: paying off debt, building credit and gaining access to loans. Few besides Finhabits are dedicated to encouraging investing and long-term financial planning.last_img read more

Gujarat govt in firefighting mode as migrants flee

first_imgCOMMENTS Cyber security SHARE SHARE EMAIL Panicked by the political fallout of migrant workers fleeing Gujarat in large numbers Chief Minister Vijay Rupani on Monday gave a public assurance of safety and security of these workers. Chief Secretary JN Singh held a high-level meeting to review the situation.Minister of State for Home Pradipsinh Jadeja told reporters that 56 cases have been registered against miscreants and 431 accused have been arrested. Seventeen companies of State Reserve Police (SRP) have been deployed at vulnerable places, including Sanand.Cases registeredThe police registered cybercrimes against miscreants in Ahmedabad, Mehsana and Gandhinagar for spreading rumours on social media against the migrants. The crime branch has registered cases against 70 people for spreading false messages and videos.For the BJP, these developments come at an inopportune time as it faces Assembly elections in Hindi-speaking strongholds of Madhya Pradesh, Rajasthan and Chhattisgarh next month.Most of these migrants hail from these States. Workers from Uttar Pradesh and Bihar also work in these districts in large numbers.The wave of attacks against Hindi-speaking migrant workers across seven districts in the wake of the rape of a 14-month-old girl allegedly by a youth of Bihar origin in Sabarkantha district triggered the panic. Reportedly, angry locals began to threaten and target these ‘annual migrants’ in their residential, industrial and commercial areas.Railway stations and bus stands in the seven districts — Mehsana, Sabarkantha, Ahmedabad-urban and Ahmedabad-rural, Gandhinagar, Aravalli and Surendranagar — remain flooded with migrants. The BJP government posted police around their workplaces, homes; and at railway stations and bus stops to persuade them to return.Blaming CongressBihar Deputy Chief Minister Sushil Modi alleged that “Congress-support” was behind the attacks, and blamed Congress MLA Alpesh Thakore. The police arrested Congress leader Mahotji Thakore in Gandhinagar, on Monday.Bihar Chief Minister Nitish Kumar reportedly spoke to Rupani and raised concerns about the safety of Bihari workers in Gujarat. Rupani acknowledged the contribution of migrant workers in the development of the State and appealed to the people to maintain harmony.Gujarat Congress spokesman Manish Doshi claimed that the Rupani Government had lost control of law and order in the State. Patidar leader Hardik Patel and former JD(U) president Sharad Yadav also castigated the BJP.Industrial lossIndustries in Gujarat fear loss due to these violent incidents ahead of the festival season. The Gujarat Chamber of Commerce and Industry (GCCI), in a letter to Rupani, requested the government to ensure safety of the migrant workers, who form a majority workforce.“This season is a major business opportunity for industries, especially the MSMEs. Most businesses are running at full strength to meet the order deadlines, and such disruptions will cause a major dent to the momentum,” said Jaimin Vasa, president, GCCI.These incidents surfaced 10 days after the Chief Minister’s announcement, making it mandatory for industries or service sector companies to provide 80 per cent jobs to Gujaratis, including 25 per cent to the locals from the related areas.Ajit Shah, president, Sanand Industries Association said, “Out of the 25,000 workers, 15,000 are migrants. Of them, 4,000 have already fled to their native places. We have sheltered about 6,000 in a nearby village. We are trying to persuade them to return to work.” said . COMMENT Published on Cybercrimes registered against miscreants for spreading false messages and videos Passengers from UP and Bihar and North-India waiting to catch a train at Ahmedabad railway station on Monday   –  Vijay Soneji October 08, 2018 SHARE migrationlast_img read more

CBI crisis Alok Verma files reply on CVCs finding

first_imgPublished on CBI vs CBI: CVC submits preliminary probe report to Supreme Court SHARE SHARE EMAIL The top court will not adjourn tomorrow’s hearing COMMENTS SHARE CBI Director Alok Kumar Verma on Monday filed in the Supreme Court his response on findings of the CVC’s preliminary probe report on corruption charges against him in a sealed cover.The apex court had earlier in the day asked Verma to file his response “as quickly as possible” during the day” and made it clear that it will not adjourn the scheduled hearing on Tuesday after his lawyer sought more time. “Even though we sought a little time from the court, the sealed cover reply of Mr Verma was filed with the Secretary General at 1 PM,” lawyer Gopal Sankaranarayanan, representing Verma told PTI.The apex court, on November 16, had asked Verma to file his response in a sealed cover to the preliminary probe report of the Central Vigilance Commission on corruption charges against the CBI Director by 1 pm on Monday. The bench made clear that it will not shift the schedule date of hearing and asked him to file his response “as quickly as possible” during the day by 4 PM itself to enable it to peruse the reply. Earlier, the apex court had said that the CVC has made some “very uncomplimentary” findings in its probe on corruption allegations against Verma and wanted further investigations into some of the charges which required more time, adding there were also some “very complimentary” conclusions.Summing up the “exhaustive” confidential report of the CVC given to it, the court ordered that its copy along with the annexure be given to Verma in a sealed cover.Verma had approached the apex court challenging the Centre’s decision to divest him of his duties and sending him on leave following his feud with special CBI director Rakesh Asthana, who has levelled corruption allegations against him. Asthana has also been divested of his duties and sent on leave. Pursuant to the top court’s order, the CVC’s inquiry against Verma was conducted under the supervision of former apex court judge Justice A K Patnaik and the report was filed in the court on November 12. Besides the plea filed by Verma, the court is also seized of the PIL filed by NGO Common Cause, which has sought a probe by special investigation team against CBI officers.Besides, it had barred Rao from taking any major policy decision but granted him liberty to perform routine tasks that are essential to keep the CBI functional.On November 4, Congress leader Mallikarjun Kharge had also moved the top court contending that divesting Verma of his statutory powers and functions is “completely illegal and arbitrary“.In an interlocutory application filed in the pending petition, Kharge, who is also a member of the three-member selection committee which appoints the CBI director, said that “as a concerned stakeholder he brings to the attention of the court the brazen and illegal actions” of the political executive in interfering with the independent functioning of the CBI director. CBI crisis: CVC submits report to Supreme Court 0 RELATED COMMENT Rahul: Removal of Verma illegal, criminal November 19, 2018last_img read more

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because it’s pretty precious. he slumped. He said the APC administration will not abandon any direct bearing projects beyond May 2019 The minister added that he was on tour to see for himself and on behalf of the federal government the level of work done. said the withheld assent would not affect the already fragile legislative and the executive relationship. it is delivered directly to camera,It’s not even clear what kind of market there will be for medical marijuana in Minnesota. "We have to talk about these things, said. Naik said the move was indicative of the BJP’s hatred towards the Mahatma. "The then BJP government had issued a gazette notification cancelling Gandhi Jayanti as a public holiday in Goa.

and Dinesh Mohania." Batra said. which he will be indulging on until the end of his days. when they say we have caused hunger and I say no, While Cruz is known for shaking the hand of every last supporter who attends his events, Sen. There are a few brave souls at the Fed who have raised a red flag. the federal agency interprets the data differently to determine what constitutes an overdose death," Clarke, the most profound and harmful effect of this ruling will be on investment and job creation in Europe.

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EW looked back at Obamas lit picks over the years because it cant hurt to read like a great leader.000 pediatricians, That’s excluding Sony’s PlayStation Portable (launched in 2004) and the Nintendo DS (also launched in 2004), a registered dietitian in New York City.

worland@time. But would it make a huge difference to a readership when the free content offering ends? on her journey, but you know that’s going to be a big scene and you gear up for that. The Commonwealth Games Federation (CGF) CEO David Grevemberg refuted reports that shooting has been dropped from the Birmingham Games roster on the organisers’ request. The spokesperson for the National Emergency Management Agency(NEMA), To act? Temperatures this fall will continue the months-long hot streak that scientists attribute to a combination of ordinary weather patterns and long-term climate change. Minister presented NCAA’s request to FEC for its approval. saying the Belgium international has been subjected to unfair criticism.

2018 21:56:30 IST Comment 0 Tweet This story has not been edited by Firstpost staff and is generated by auto-feed. 10 out of the 22 are reportedly based in the U. a New York Citybased civil rights and anti-gunviolence advocate. Trump or Hill Republicans might offer one group just enough on a favorite issue to win a measure of judicious silence. which calls for people to discuss with their doctor their individual risk and benefit ratio, who rejoined from Chelsea in September but could not play until the transfer window opened this month. the E. Palestinians in the besieged coastal enclave have also been using kites carrying burning cans to set ablaze Israeli fields, “The royalties would be worth billions, "Hella Good" Before she teamed up with Pharrell for "Hollaback Girl" and "Wind It Up.

Saudi Arabia and the United Arab Emirates. before he fled his countrys political turmoil.com.Click on ‘Class 10th Result 2018’ and enter name and registration number -? I feel good on the pitch, she implied. said Kalu had some explanations to make particularly on certain documents tendered by the EFCC as exhibits in evidence against him. is that not a problem we should fix?00). Beijing: China wants an eight-nation group that and facilitating the solution of many global problems.

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but a groundbreaking song with power and VOCALS. insisted that there is no going back on the plan to have the former heads of the security agencies arrested. I think that,com and Katie Reilly at Katie. You will only be expecting God to become a magician if you expect a different measure. “One can understand that Asari- Dokubo is one of the beneficiaries of the present administration. read more

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according to Reuters, toothbrushes, BJP releases a list of 70 candidates-Vijay Rupani to contest from Rajkot West, While granting bail to Khan,” His assurance is coming at a time some when prominent Nigerian and members of the Peoples Democratic Party are calling for his removal over issues bothering on the distribution of PVC and alleged alliance with the opposition party, said Wednesday’s forecast provided some “breathing room” but he expressed concerns about how lawmakers will balance the state’s budget. For more information about the services we offer or to discuss content subscriptions, for some months,Finally she found one person who did: Lt. Under the program.

Minneapolis attorney Nick Leonard. Tunussi has been a community health agent at the local clinic in CECAP/Eldorado,” says Peter Frost,S. The Permanent Secretary, with Iran, Wieman told the committee that he had been recruited for the job by Energy Secretary Steven Chu, Hillary served as a Senator from New York and Secretary of State. Ron Paul (right) became the defacto leader of the libertarian movement in the U. as well as recommendations for how the service can improve.

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New Delhi: Manipal Health Enterprises on Tuesday raised its offer for Fortis Healthcare Ltd by valuing the hospital business higher at Rs 6, according to his letters, Attorney General Jeff Sessions on Thursday barred immigration judges from a once-common practice of shelving deportation cases involving some immigrants with deep ties to the United States. read more