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Facebook"s Secret Blacklist Includes Members Of ISIS, The Crips, Hamas & "The Hillbilly Militia"

Facebook's Secret Blacklist Includes Members Of ISIS, The Crips, Hamas & 'The Hillbilly Militia' Over the years, even as one of its whistleblowers founder herself in prison, the Intercept has maintained a reputation as a mostly independent outlet willing to publish leaked documents embarrassing the US government, Big Tech - you name it. And This week has been no different. Amid all the scrutiny of Facebook lately, the Intercept published this week internal documents from FB exposing what FB calls its "dangerous individuals and organizations list". The list, which includes more than 4,000 names of individuals and organizations, as well as a brief explanation of the affiliations that landed them on Facebook's "dangerous individuals" list, consists of roughly half foreign individuals. But there are many home-grown individuals and organizations on this list, including street gangs like "the Crips", "the Latin Kings" and even the infamous "MS-13". The list is barred from being discussed on Facebook's platform. But now, thanks to the Intercept, it's out in the open for the whole world to see. Generally speaking, Facebook's "unaccountable system" disproportionately punishes certain communities,” what with the terrorism suspects being “Middle Eastern, South Asian, and Muslim,” and those alleged to be violent criminals “predominantly Black and Latino.” Meanwhile, the outlets says, there are “far looser prohibitions” on discussing “predominately white anti-government militias.” Almost 1,000 entries in the terrorism portion of the list are from "Specially Designated Global Terrorists", a sanctions list maintained by the US Treasury Department that includes affiliates of Islamic State and Al-Qaeda right alongside Hamas and Hezbollah, the Taliban, Iran's IRGC, Yemen’s Houthi militants. Other entries on the list make less sense. For example, the PKK, the Kurdish separatist party outlawed in Turkey, is on Facebook's "danger" list. Also: the Communist Parties of India and the Philippines. Other notable names include the Japanese death cult Aum Shinrikyo, as well as the Atomwaffen Division, a US white supremacist group recently exposed as being secretly backed by the FBI. Things get interesting under the hate group heading when FB includes the Nazis of WWII (that's right; the original Nazi party) alongside the Proud Boys, and Ukraine’s neo-Nazi Azov Battalion. Also included are the English Defence League, Génération Identitaire and its sister organizations in the US and other European countries. A Canadian student group called Students for Western Civilisation and men’s rights activists from A Voice For Men are also included. But it also includes US-based militia groups who have been increasingly targeted by groups like the SPLC Finally, under the "hateful individuals" category, historical villains like Adolf Hitler and Benito Mussolini are listed alongside Incel shooter Elliot Rodgers, Proud Boys founder Gavin McInnes, Azov Battalion commander Andriy Biletsky, and UK activist Tommy Robinson and US internet commentator Nicolas Fuentes. The list is hitting in the middle of Facebook's biggest corporate scandal since the Cambridge Analytica fallout when there was an international backlash over tech companies' use and abuse of users' private data. Tyler Durden Wed, 10/13/2021 - 18:25.....»»

Category: blogSource: zerohedgeOct 13th, 2021

Billionaires and world leaders, including Putin and King Abdullah, stashed vast amounts of money in secretive offshore systems, leaked documents find

Notably, the richest people in the United States - like Jeff Bezos, Elon Musk, Bill Gates, and Warren Buffett - are not in the so-called Pandora Papers, the Washington Post reported. A pool of $400 million contributed by taxpayers is waiting for Congress to decide how best to use it. Getty Images An investigation has found that world leaders, rock stars, government officials and CEOs stashed billions of dollars in secret offshore accounts. The trove of documents, called the Pandora Papers, is a collection of nearly 12 million financial records. These records, obtained by journalists, detail the existence of over 29,000 offshore accounts. See more stories on Insider's business page. Dozens of current and former world leaders, billionaires, rockstars and government officials have stashed billions of dollars in secret offshore accounts, according to an investigation conducted by the International Consortium of Investigative Journalists.The trove of documents, called the Pandora Papers, is a collection of nearly 12 million financial records that detail the existence of over 29,000 offshore accounts, the Washington Post, the Guardian, the BBC, and other outlets reported on Sunday. That's twice as many as the collection uncovered by the Panama Papers, a leak that exposed millions of financial and legal records and revealed the offshore holdings of powerful and influential people worldwide. The findings of the documents, which will be rolled out in a series of stories over the next week, expose the secret secret offshore finances of about 3 dozen world leaders, including current and former presidents, prime ministers and heads of state. The finances of about 100 billionaires and people of extreme wealth are also included in the trove. "Many use shell companies to hold luxury items such as property and yachts, as well as incognito bank accounts," the Guardian reported. Offshore accounts operate in various countries around the world like Switzerland, Belize, and Singapore, according to the Post.Dozens of powerful people who've made Forbes list of billionaires and public officials from more than 90 countries and territories have these offshore accounts and investments. King Abdullah II of Jordan, for example, spent $100 million on luxury homes in Malibu, California, the documents show. The leaked documents also links Russian President Vladimir Putin to secret assets in Monaco, the BBC reported.Included among these financial and legal records are memos and strategies to bypass transparency laws and keep the existence of the offshore accounts a secret. Notably, the richest people in the United States - like Amazon founder Jeff Bezos, Tesla founder Elon Musk, Microsoft co-founder Bill Gates, and billionaire investor Warren Buffett - are not in the documents, the Post said. But there are several prominent figures involved whose offshore accounts have been discovered in the investigation. That list includes pop star Shakira and members of the Saudi Arabian royal family, according to the Post.Offshore accounts and asset-shielding trusts often play a role in grisly crimes like drug trafficking and ransomware attacks, experts say."The offshore financial system is a problem that should concern every law-abiding person around the world," former FBI officer Sherine Ebadi told the Post. "These systems don't just allow tax cheats to avoid paying their fair share. They undermine the fabric of a good society."Read the original article on Business Insider.....»»

Category: dealsSource: nytOct 3rd, 2021

Brandon Smith: Organizing Patriots In The Face Of Government Informants And False Flags

Brandon Smith: Organizing Patriots In The Face Of Government Informants And False Flags Authored by Brandon Smith via Alt-Market.us, There is a simple fact that must be understood when it comes to the fight for liberty: Such a fight cannot be won by lone individuals. Freedom requires organized resistance and it does not matter how many millions of people stand against an authoritarian regime, if they are completely isolated from each other they WILL lose. It’s a guarantee. This is why a considerable portion of establishment money, energy and propaganda is directed at defusing or sabotaging any semblance of conservative organization. This includes engineering false flag events and creating potential terror attacks from thin air so that they can be blamed on constitutionally minded groups. The strategy is called “4th Generation Warfare” and it is not conspiracy theory, this is conspiracy fact. For example, as we now know according to court documentation, the supposed scheme by a Michigan “militia” made up of anarchists to kidnap Governor Gretchen Whitmer and “try her as a tyrant” was heavily infiltrated by at least a dozen FBI agents and informants. The group was so infiltrated, in fact, that the entire plot for the kidnapping was essentially planned out by the FBI. This is the very definition of a false flag. The corruption and entrapment involved in the operation was so egregious that even the leftist media has reported on it. I recall a very similar situation occurred during the Malheur incident when Ammon Bundy (son of Cliven Bundy) and a group of patriots decided to annex the wildlife refuge and its obscure ranger buildings as a launching point for a revolution. Though I was a supporter of the efforts at Bundy Ranch, I was vehemently against Malheur because the whole situation seemed grossly suspect. The strategy made no sense, the rationale made no sense, the site of the standoff made no sense and the public optics were terrible. It was an anti-Bundy Ranch; a situation in which all of the dynamics were in favor of the feds and against the liberty movement. And, not surprisingly, Malhuer had also been influenced and in some cases was arranged by federal informants and agents. These people were whispering in the ear of Ammon Bundy the entire time while the FBI authorized them to commit criminal acts. There were so many paid employees of the FBI at Malheur that jurors decided to drop all charges against most of the defendants involved. And what about the latest “J6” rally in Washington DC, which was planned by a virtually unknown former Trump aid and was quickly exposed as a potential “honeypot” designed to lure in conservatives? The army of plain clothes undercover feds was so prevalent that riot cops accidentally arrested an armed FBI agent thinking he was a protester. Now, there are many people in the alternative media that are breathing a sigh of relief that almost no one showed up for the J6 protest or “fell into the trap”. In fact, there were far more reporters and feds there than actual activists. However, I think we need to look at the bigger picture of why the government is staging such events in the first place, and it’s not just to entrap a few conservatives . If you think about it, the entire strategy is high cost/minimum reward if we only look at it in terms of actual arrests. If the idea is to catch and prosecute patriots, then they could infiltrate groups and engineer criminal actions for decades and achieve little to nothing. Obviously, this is not the purpose of informants. Rather, the strategy is not to invade groups unnoticed; the strategy is to BE NOTICED, to make sure the whole of the liberty movement believe that if they ever try to organize in any way the feds will be there to set them up. In other words, the primary goal of the FBI is to instill paranoia and fear among patriots and ensure they never effectively organize to resist. When we cheer the “failure” of J6, we need to keep in mind that the establishment does not care. Getting people to show up was not their main intent; making people afraid to show up for any other events in the future is what they want. The issue presents a Catch-22. If conservatives organize there is the chance that some groups will be infiltrated or set up and used to make the entire movement look bad. If we don’t organize, then we have lost the fight. It will be over before it even truly begins (and no, the real fight has not started yet). So what is the solution? I think it’s odd but maybe not surprising that the standoff at Bundy Ranch has been memory-holed by the media and is rarely mentioned even among conservative activists these days. Yet, it was probably one of the most successful patriot actions in the past couple of decades. There are a number of reasons for this: 1) The action was spontaneous, not pre-planned and was in response to criminal activity by the FBI (including assaulting women that were protesting and the use of sniper positions to surround the Bundy property similar to Ruby Ridge). The movement took action to remedy a government trespass rather than creating a standoff out of nothing. 2) There was no single person in charge. Groups showed up from all over the country; some of them squared away and some of them screw-ups. This might sound like a bad thing, but in terms of rebellion it is often better to avoid streamlined top-down leadership. Frankly, I am usually suspicious of anyone that tries to anoint themselves the “leader” of the liberty movement or the sole leader of a protest action. Cult of personality is the most useless thing I can think of when it comes to battling tyranny, and top-down leadership can be easily manipulated or controlled. 3) Because of the decentralized nature of the response to Bundy Ranch, the feds had no way to influence or predict the outcome, and they really hate that. Without informants in key positions, the feds did not have the ability to adapt to the quickly changing circumstances. Contrast this with Malheur, where the feds were basically in control from the very beginning. The site itself was so isolated and ill conceived that the FBI was able to dictate every movement of patriots in and out of the area. It was pointless for any militia to occupy it, but it was a great spot for the feds. 4) Patriots arrived at Bundy Ranch peacefully, but with the will to fight if necessary. The Bundy Ranch response had a clear objective – To stop the FBI from harming the Bundy family and to retrieve the stolen cattle if possible. Both of these objectives were accomplished and with no shots fired. A complete success. The group was motivated and unified by the objective, NOT a singular leadership. Without a clear objective there is no purpose to any action. It is important to understand the difference between a Lexington Bridge moment and a Fort Sumter moment – During Lexington Bridge, the revolutionaries took action to stop a British detachment from arresting colonial leaders and confiscating rifles and powder stores. The British were in the midst of an undeniable attempt to disarm and snuff out the resistance. At Fort Sumter, the Confederate attack was in response to an attempted resupply of the fort itself; which made sense strategically but looked like an act of pure aggression to the wider public. The concept of states rights (more prominent in the minds of the confederates than the issue of slavery) fell by the wayside. Eventually tyranny has to put boots on the ground. A totalitarian system can function for a time on color of law and implied threats, but it will crumble unless it is able to establish a physical presence of force. Once those jackboots touch soil in a visible way and the agents of the state try to expand oppressive measures, rebels then have a free hand to disrupt them or bring them down. But this only works if there are objectives and enough decentralization to prevent misdirection of the movement. Some organization is essential. It cannot be avoided. All the “Gray Men” and secret squirrel preppers out there that think they are going to simply weather the storm in isolation and pop out of their bug-out locations to rebuild are suffering from serious delusions. I can’t help but think of that moment in ‘Lord Of The Rings’ when the Ents refuse to organize to fight against the invading orcs. Pippen suggests to Merry that the problem is too big for them and that they should go back to the Shire to wait out the war. Merry laments: “The fires of Isengard will spread. And the woods of Tuckborough and Buckland will burn. And all that was once green and good in this world will be gone. There won’t be a Shire, Pippin.” If this fight is not pursued now, there will be no world worth coming back to, even if one was able to successfully hide from it. There will be a “new world order” as the globalists like to call it. There will be nothing left of freedom. So, organization must be accomplished, and it should be built at the local level. This is far more important than any dreams of a national organization, at least for now. There is no one we can trust to lead such a nationwide revolt, and that includes political leaders like Donald Trump. Will federal intrusions happen? Of course, but at the local level it is much easier to vet people according to their behaviors and root out bad actors. Hold your local meetings to discuss current events and create a place for people to network and get to know each other. Talk to local businesses or your county sheriff to see where they stand on issues like the vaccine passports and Biden mandates. Put things in motion now or you will regret it later when your community is completely disjointed and paralyzed by fear during crisis or government subjugation. And, what about the first guy at your meetings that starts talking about building bombs, drafting “kill lists” or kidnapping governors? Kick his ass out promptly and make sure everyone knows why you did it. Most likely he is a fed or he is on an informant payroll. As our national composure breaks down and the manure hits the fan, fed informants and agents will suddenly disappear from these groups without a trace. They are not going to stick around for what happens next; the government doesn’t pay them enough for that. And knowing who the patriots are will not help the federal government if the patriots are organized to defend themselves. This is the reality which they do not want us to wake up to. *  *  * If you would like to support the work that Alt-Market does while also receiving content on advanced tactics for defeating the globalist agenda, subscribe to our exclusive newsletter The Wild Bunch Dispatch.  Learn more about it HERE. Tyler Durden Thu, 09/23/2021 - 23:40.....»»

Category: blogSource: zerohedgeSep 24th, 2021

Germany"s "Traffic Light" Coalition Agrees To 12-Page Policy Framework, Hopes To Form Government By Christmas

Germany's "Traffic Light" Coalition Agrees To 12-Page Policy Framework, Hopes To Form Government By Christmas The "traffic light" framework agreement struck Friday between the Social Democrats, Greens and the Free Democratic Party - the three parties that will form Germany's first post-Angela Merkel government - has come together more quickly than many Germans probably expected. After just a week of talks, the three parties unveiled the 12-page framework during a Friday press briefing. While it's certainly progress, the framework is still very thin and negotiators from all three parties will likely take months to fill in the gaps. By announcing the deal, German Finance Minister Olaf Scholz took another step toward succeeding Angela Merkel as Germany's next chancellor. During all of Germany's post-WWII history, a coalition deal has never collapsed after reaching this stage. Scholz, the SPD leader and likely the next Chancellor, has insisted that his vision for a "progressive" Germany can be realized even if the Greens and the FDP aren't exactly ideological bedfellows. The framework focuses on issues like climate change, taxes (namely, a commitment not to increase them), simplifying immigration processes as well as a new agreement on the minimum wage, among other commitments. The three parties have been holding talks since Scholz’s center-left SPD took home a plurality of the vote during Germany's federal election. Now, over the next two months, the three parties policy experts must fill in the many gaps left in the 12-page deal. The full coalition deal between Angela Merkel's conservatives and the SPD ran to 175 pages and included specific commitments on legislation to be enacted in the Bundestag. Scholz said Friday that he hoped to have the whole policy framework finished and the government formed by Christmas. While most Germans probably remember the collapse of Merkel-led three-way talks back in 2017 (which collapsed before a framework was even close to being agreed to), modern Germany hasn't seen a coalition fall apart after the parties agreed on a framework. If talks did collapse, President Frank-Walter Steinmeier would have to step in, but this would be uncharted territory. Like in Italy, Germany has a president whose role is more akin to that of a caretaker when coalition talks fail. Speaking to reporters, Scholz said Friday that the preliminary agreement "clearly shows that a government that aims to ensure we achieve progress can be formed in Germany." "This is a very good result," he added. "It makes clear that Germany can form a government that can achieve progress, progress that’s possible and necessary in many, many areas." Scholz also claimed the parties managed to bridge their differences to put Germany on the path to its biggest industrial renewal in a century. Already, there appear to be areas where conflict could possibly arise. While the framework has included a commitment not to raise taxes, both the Greens and SPD have sketched out spending commitments as part of their promise to create a more egalitarian society. As it stands, the deal promises a "decade of investments in the future" while leaving in place Germany's infamous debt brake enshrined in the German constitution. As for relations with the EU, views among the three coalition partners differ substantially. The FDP still opposes the EU debt union that many in the Greens and the SPD are keen on. The Greens also favor a common EU fiscal policy to support investment in the environment, research, infrastructure and education. Of course, this would be anathema to Europe's far-right, as any indication of a unified fiscal policy framework to compliment the supranational ECB would infuriate many on the right. On China, Biden (or, potentially, Trump should he return to office) might find an ally in the new German government, since the Greens and the FDP are more wary of China than the SPD or Merkel's conservatives. The framework includes an agreement that Chinese firms should have no part in the construction of Germany's next-generation telecoms networks to keep them secure. Notably, the Greens abandoned their push to impose a new speed limit on the Autobahn When it comes to energy, the deal requires Germany to search for more alternatives to fossil fuels. The Greens have been pushing to scrap the Nord Stream 2 pipeline, which will transport Russian gas to western Europe and increase Germany's reliance on Moscow for energy, and on the fossil fuels that the Greens claim are more damaging to the environment. Oddly, this is one situation where environmentalists will find themselves allied with Sen. Ted Cruz who has also warned against the pipeline. Certain commitments are more vague than others. When it comes to defense spending, the Greens are the only party that opposes increasing it to the 2% of GDP that all NATO members have promised. The framework included some vague language about abiding by its commitments, but it's not clear how all this will pan out. The only thing that looks certain at this point is that Merkel's longstanding conservative coalition, the CDU-CSU, is heading for the opposition benches after the CDU's worst electoral performance in decades. Tyler Durden Sat, 10/16/2021 - 09:55.....»»

Category: blogSource: zerohedge17 hr. 12 min. ago

I design the shapes of chicken nuggets - among other food products. Here"s what my career is like.

"You'll find very few, if any, poultry and meat products in a grocery store that I haven't made," says Perdue food scientist Mark Tolbert. Mark Tolbert. Courtesy of Perdue Mark Tolbert, 47, is a food scientist at Perdue helping design new products. He oversees the company's innovation facility and projects and his team of 10. This is his career story and what his job is like, as told to freelancer Perri Ormont Blumberg. This as-told-to essay is based on a transcribed conversation with Mark Tolbert, a 47-year-old senior innovation center facilities manager at Perdue Foods from Salisbury, Maryland, about his job. It has been edited for length and clarity.I grew up in southwestern Virginia on a beef cattle farm. Working on the farm was a daily job, and I found that I'm naturally pretty mechanically inclined, whether repairing things or troubleshooting problems.Before and during college, I worked at a veterinarian clinic, a dairy farm, a grocery store, and even as a manager of a slaughter operation. I attended Virginia Tech for college, where I double-majored in animal science and food science.I took classes in meat science, which is how I got my first job out of college in the early '90s managing a pilot plant at Central Soya, a soy processing company that incorporated soy into meat products. After three years, I went back to school for a master's degree in meat science.From there, I started working for Campbell Soup Company, with leading roles across various brands including Chunky Soup and SpaghettiO's. In the last two years at Campbell's, I ran quality control for those brands, which was a very hands-on role. I also managed a team within the ingredients group at Campbell's. We worked on one project where we had over 700 ingredients and had to reduce the ingredients by 40%. In 2015, I started working at Perdue Farms. I'm accountable for everything within the boundaries of the 5.14-acre property The Perdue innovation center. Perdue I'm even responsible for a few things outside it, like the railroad tracks everyone crosses on the way to our facility. I'm responsible for every blade of grass, all the lightbulbs, and everything in between.Upon accepting the role, I knew I would quickly expand it into something much bigger, as my curiosity wouldn't allow me to settle into the more narrow job description for long. I manage research and development (R&D) projects like developing turkey- and drumstick-shaped nuggets in line with Thanksgiving. Our nuggets run through equipment I'm very familiar with, so I helped develop the mold plates that contain the shape of the nugget.I also was involved with the development of a blend of Perdue chicken with vegetables. My previous experience at Campbell's was essential since I had extensive experience working with frozen vegetables, something people generally are not as familiar with at a meat company. During my first hour on the premises, I walk through the facility, saying hello to each of my 10 team members I start to gauge the morale of the group and figure out what might have to be done that day. On my own time, I'll sometimes reread books like "The Ideal Team Player" by Patrick Lencioni and "Lincoln on Leadership" by Donald T. Phillips to refresh my memory on being a leader. I focus on everyone being a team player, which includes being humble and hardworking.I'll then check out the plant trials board, which lets me know what we need to work on. Typically, we average about two trials per day, and it can get quite busy managing that. Sometimes we might run a special new experimental product, and those days are always extra exciting.There are always "tastings" or what we refer to as "product cuttings" in the days following our trials. Usually this will involve the R&D technologist leading the project along with representatives from sensory, sales, and marketing. Some product cuttings focus on flavor whereas others will look at technical data like shape, weight, breading adhesion, etc. New shapes often require two to three iterations to get them to perform as expected.After that, I spend a little time seeing if anyone or any project needs extra attention. From there, I'm off to my projects.I love the daily 'strangeness.' There really is something different every day, and I enjoy those challenges that give way to problem-solving. A nugget plate. Courtesy of Perdue I even keep a count in my head as the day goes on of the ratio of challenges versus solutions. I aim to keep it at 1:1, but some days it might be more like 5:1.In the same week at work, I can make breaded chicken nuggets (in any shape I choose to design) as well as pet treats, hot dogs, turkey, deli ham - the list goes on. In my previous roles and now here at Perdue, you'll find very few, if any, poultry and meat products in a grocery store that I haven't made.Perdue Farms turned 100 in 2020. We were going to break a Guinness record for the largest serving of smoked chicken. The goal was going to be over 9,000 pounds. I had specified all the equipment, purchased an oven, and aligned donations of utilities and tractor trailers. Unfortunately, our plans were sidelined by COVID-19, but maybe we'll try again soon.Do you have an interesting job and want to share your story with Insider? Email Lauryn Haas at lhaas@insider.com.Read the original article on Business Insider.....»»

Category: smallbizSource: nyt18 hr. 56 min. ago

Employers are being forced to reveal how much they will pay potential workers. It"s a good idea, but it isn"t a cure-all for our giant pay gaps.

Disclosing salary ranges to job candidates is good, but it doesn't go nearly far enough to address the many causes of pay inequity. Pay transparency does not go far enough to solve pay inequities. SDI Productions/Getty Images While pay transparency does help minorities, there are other factors that continue to perpetuate bias and inequities. Compensation in the form of non-salary benefits, overtime, bonuses, and equity are still undisclosed. Companies must address explicit and implicit biases, assumptions, and policies and programs that perpetuate oppression. Monique Cadle and Fran Benjamin are partners at Good Works Consulting and experts in holistic inclusive leadership strategy and education. This is an opinion column. The thoughts expressed are those of the authors. For decades, pay secrecy has been a point of contention for advocates of pay equity, often described as a problematic feature of the employment process meant to ensure negotiations are always in favor of the corporation. However, over the past several years, a culture shift has made it challenging to maintain this system as many employees have begun disclosing their salary information regardless of company rules as a way to self-organize to support fair salary negotiations for their peers. Now, legislation in several jurisdictions has moved to make pay transparency a requirement for employers to create a more fair negotiation process and improve pay equity for underrepresented groups in the workplace. The majority of compulsory pay disclosure regulations require individualized disclosure to a specific individual under specified circumstances, including but not limited to at the candidate's request. Employers in several states are subject to similar regulations. Colorado went further, introducing a comprehensive, affirmative pay posting law this year, requiring wage disclosures in job advertising for physically located occupations or remote jobs that could be done in Colorado.Some top companies not impacted by legislation have chosen to adopt these practices to stand out, attract top talent, and gain visibility as being ahead of trends in equity, diversity, and inclusion. While this transition has many positive attributes, it undoubtedly creates new challenges for business leaders and applicants alike. And since much of the conversation around this recent move is centered around improving pay equity, it's essential to consider how this impacts the pay disparity issue in practice, and if it helps them at all. Behind the push for transparency is the belief that if applicants know what a company is willing to pay, they will be less likely to be under-compensated. While this may help some candidates, it won't cure pay inequality. Many factors impact how salaries are distributed, and bias - explicit or implicit - and discrimination still play a role. Pay becomes a new strategic considerationThis simple change to the structure of our hiring process creates significant new strategic considerations for recruiters and hiring managers as these public pay rates will become part of the decision-making process for applicants. Now, leaders must consider how pay ranges might be perceived, who will and will not apply at certain ranges, and what these decisions will mean at the negotiation stage.Before pay transparency, the corporation held the cards by keeping their budgets a secret. By forcing the applicants to share what they required to be paid first, the company could find out if the individual would accept a lower rate than what was budgeted and potentially save money. Candidates who were historically underpaid might simply ask for a slightly higher salary than their last position rather than knowing what a company should be willing to spend for the work being done. Today, candidates will become more aware of their compensation potential without needing to conduct additional research, but this may also impact who applies. For example, an individual who has been chronically underpaid may essentially self-select out of higher-paying positions under the belief that it's too high of a jump. In contrast, highly compensated individuals may not apply under the assumption that the top of the salary range is a non-negotiable cap. Therefore, it becomes even more crucial to enable candidates to understand the total compensation for a given role. Disparities in non-cash compensation, bonus, and promotions impact equityWhile creating equitable compensation for women, BIPOC, queer folks, people with disabilities, and other marginalized groups is helped by greater transparency, the administration of pay transparency by the employer varies and still stands to perpetuate bias and inequities.Base salary or pay rate are two fundamental components of compensation: how much cash the individual makes on an hourly or annual basis. For hourly workers, an organization may make the pay range transparent during the application. Still, it may not be aware of nor address the common occurrence that special projects and overtime opportunities often go to men more frequently than women, and take-home pay is still wholly disparate. For salaried employees, this equation may seem a little easier. However, in our work consulting with companies, we have observed that while an organization may disclose a codified pay range, in many instances, they will also exceed that range during the negotiation process - a fact not made transparent. We also know that groups historically underrepresented in specific roles, levels, and industries, including women, tend to negotiate less than their white male-presenting counterparts, and therefore may never access these secret dollars that exist beyond the top of the range.Many organizations offer an annual or performance-based bonus structure. Often this bonus target or range (an intended percentage of base salary, usually) may or may not be disclosed as a part of these pay transparency programs. What often is not disclosed is that senior management and boards of directors may elect to apply a multiplier to an individual's bonus that either increases or decreases the total cash payout based on corporate performance. Further, organizations often hold back bonus dollars for those considered "high potential," which often translates to rewarding individuals they feel are most similar to themselves. As a result, take-home bonus cash is highest among majority group members, often white folks, who tend to fill the top ranks in the organization by the sheer symptom of their proximity and similarity to those at the top making the pay decisions.Long-term compensation incentives and equity (e.g., stock plans, others) usually are out of the equation for pay transparency efforts yet could hold the biggest value and potential for pay inequity and disparity. Most of the legislation we discuss here applies to cash compensation, and most elective programs that we are aware of do as well. In practice, frameworks for awarding these grants are difficult to codify equitably because the value assigned to the awards can change dramatically over time, market data for awards like these are variable and up for interpretation, and therefore many employers avoid pay-parity analyses of this form of compensation and any attempt at transparency altogether.Lastly, due to some of the shortcomings mentioned above, systems like these require maintenance over time to be effective. If the organization is simply making base-pay range data transparent to candidates, but not conducting regular pay-parity analyses internally and market-based pay adjustments and corrections, unequal and unfair pay will propagate as the employee navigates their career.Bias and privilege are still at the core of hiring practicesPay transparency is just one tactic, and on its own it doesn't solve all of the challenges of inequity in the hiring process. Ultimately, much of the issue rolls back into the hands of the hiring managers and leaders making decisions about the candidates worthy of a particular pay tier. Systems of oppression continue to disadvantage people less proximal to the access and privilege often afforded white workers, whether by lacking the network to receive insider pay and negotiation tips, or by being evaluated with greater or varied levels of scrutiny, to name just two challenges.Breaking this cycle involves systematically undoing explicit and implicit discriminatory biases, policies, and programs that perpetuate oppression throughout the employment process. It requires evaluating candidates based on actual capacity to accomplish the expectations of the role while correcting for disparities of power and privilege.Read the original article on Business Insider.....»»

Category: personnelSource: nyt19 hr. 28 min. ago

I went inside the secret airplane compartment where flight attendants sleep on long-haul flights and was shocked by its size

Flight attendants don't get to enjoy the same level of luxury as some of the passengers they're serving during their breaks from work duties. Touring SAS Scandinavian Airlines' Airbus A350-900 XWB. Thomas Pallini/Insider Flight attendants don't enjoy the same luxurious seats that some of their passengers do on long-haul flights. Secret compartments in the back of airplanes have bunks for flight attendants to rest. Cabin crew rest areas are tight quarters with no windows or forms of entertainment. Airlines are constantly raising the bar when it comes to luxury and comfort for passengers as airliners are flying further than ever before. An Airbus A350-900 XWB aircraft. Andreas Zeitler/Shutterstock.com But while passengers reap the benefit of glitzy lie-flat business class seats and even couches in economy on some airlines, not all onboard get to enjoy the same level of opulence, namely flight attendants. Touring SAS Scandinavian Airlines' Airbus A350-900 XWB. Thomas Pallini/Insider Hidden in the back of wide-body aircraft are the small compartments in which flight attendants spend their downtime. They're aptly named crew rest areas and are where flight attendants will go when they have a break from service or their other responsibilities. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider The areas are off-limits to passengers and even their entryways are discretely embedded into an aircraft's architecture to help protect against unwanted visitors. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider On a recent tour of an Airbus A350-900 XWB, I went up into the crew rest area to see how the cabin crew spend their breaks. Here's what it was like. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Crew rest areas for the cabin crew are often located towards the back above the economy class cabin. I could very easily see how the average passenger might walk right past the small ladder and doorway that's simply marked "crew only." Touring SAS Scandinavian Airlines' Airbus A350-900 XWB. Thomas Pallini/Insider Its location makes sense as it's hidden away from passengers in an area not frequented by many passengers. In all my years of traveling, I've never seen a flight attendant climbing up into the bunks. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Just a few steps, though, and I couldn't even tell that I was on an airplane anymore. There were no passenger seats or even windows in the space, just bunks. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Only six bunks comprised the crew rest area, with not much room for anything else. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Storage is limited to a small closet with a coat rack to hang uniforms during the rest period. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Pockets along the main aisle also had some space in which to store items. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Each bunk came equipped with a pillow and blanket kit wrapped in a seatbelt. It looked to be similar to what economy passengers receive in the cabin below. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Seatbelts are required in the bunks in case of turbulence as even flight attendants must abide by the seatbelt sign. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider But other than a pillow, blanket, and reading lamp, the bunks were devoid of any form of entertainment. The in-flight entertainment screens that graced the cabin below were nowhere to be found in the crew rest area. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider The reasoning behind that is because airlines want their staff to use the space for what it's intended, rest. Watching movies or television shows would only serve as a distraction from that. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider I'm sure it doesn't stop flight attendants from using their phones, however, and a curtain provides privacy in each bunk. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider I didn't get a chance to lay down in one of the bunks but it was hard to imagine resting in such tight quarters. Though, I'm sure it's a better alternative to, say, the last row in economy class. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Plus, the commute isn't too bad and just requires descending back down the steps in the galley. Flight attendants can also communicate with other crew members using an intercom in the rest area. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider To be honest, the compartment resembled the living quarters of what I'd imagine a futuristic space ship might look like. Having zero gravity would certainly have helped with moving around this space, for sure. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider Pilots, alternatively, have their own rest areas towards the front of the plane near the cockpit. They don't have it much easier than flight attendants. The pilot rest area on a Boeing 787 Dreamliner aircraft. Benjamin Zhang/Business Insider Long-haul flights, however, wouldn't be possible without these rest areas due to legal rest requirements. Ultra-long-haul flights like the ones between Singapore and the US can exceed 18 hours and require flight attendants to take shifts serving the cabin. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider The setting might not be as luxurious as a lie-flat business class seat but it still offers privacy and a brief reprieve from work duties. The crew rest area on an Airbus A350-900 XWB aircraft. Thomas Pallini/Insider But those with a fear of tight spaces should certainly consider the rest area when contemplating a career as a long-haul flight attendant. An international flight attendant. By Dmitry Birin / Shutterstock Read the original article on Business Insider.....»»

Category: personnelSource: nyt19 hr. 28 min. ago

Into the Heart of Q3 Earnings Season

The big banks got us off to a flying start in this Q3 earnings season, but we will get a true sense of how good or otherwise the corporate profitability picture is after seeing the coming week's reporting docket. The big banks got us off to a flying start in this Q3 earnings season, but we will get a true sense of how good or otherwise the corporate profitability picture is after seeing the coming week’s reporting docket. It goes beyond the Finance sector and includes reports ranging from Netflix NFLX, Tesla TSLA and Snap SNAP to Johnson & Johnson JNJ, Procter & Gamble PG and Intel INTC. In total, this week will bring results from more than 200 companies, including 73 S&P 500 members.This week’s lineup of results will give us fresh insights on the most important issue weighing on the earnings picture at present, namely inflationary trends and developments on the logistics/supply-chain front. The banks aren’t as directly exposed to these issues as P&G and Tesla are. That said, some of the bank leaders see these issues as transitory, and expect them to be worked out over time.With respect to bank earnings, not only have the reported numbers turned out to be stronger than expected, but managements have provided reassuring comments about trends in core banking activities that have been muted in recent quarters. The group’s investment banking businesses were on fire, offsetting tough comparisons on the trading front.Including all the results that came out through Friday, October 15th, we now have Q3 results from 41 S&P 500 members, or 8.2% of the index’s total membership. Total earnings (or aggregate net income) for these 41 companies are up +40.4% from the same period last year on +13.4% lower revenues, with 85.4% beating EPS estimates and 70.7% beating revenue estimates.The two sets of comparison charts below put the Q3 results from these 41 index members in a historical context, which should give us a sense how the Q3 earnings season is tracking at this stage relative to recent periods.The first set of comparison charts compare the earnings and revenue growth rates for these 41 index members: Image Source: Zacks Investment Research The Finance sector is heavily represented in the results at this stage. For the Finance sector, we now have Q3 earnings from 40.6% of the sector’s market cap in the S&P 500 index. Total earnings for these Finance sector companies are up +42.2% on +9.9% higher revenues, with 92.9% beating EPS estimates and 78.6% beating revenue estimates.Reported Q3 earnings growth drops to +36.9% on an ex-Finance basis.The second set of charts compare the proportion of these 41 index members beating EPS and revenue estimates: Image Source: Zacks Investment Research I had started getting worried about the revenue numbers at the start of Q3 earnings season, but the picture has notably improved since then, as you can see above. Expectations for Q3 & BeyondTotal Q3 earnings for the S&P 500 index are expected to be up +29.4% from the same period last year on +14.1% higher revenues. The growth rate has started going up as more companies come out with better-than-expected results.The chart below presents the earnings and revenue growth picture on a quarterly basis, with expectations for 2021 Q3 contrasted with the actual growth achieved over the preceding four quarters, and estimates for the following three: Image Source: Zacks Investment Research The chart below shows the comparable picture on an annual basis: Image Source: Zacks Investment Research We mentioned earlier how the aggregate 2021 Q2 earnings tally represented a new all-time quarterly record: Image Source: Zacks Investment Research We all know that large segments of the economy — particularly in the broader leisure, travel and hospitality spaces — are held down by the pandemic, with companies in these areas still earning significantly less than they did in the pre-Covid period. In fact, many of these companies aren’t expected to get back to pre-Covid profitability levels for almost another full year.The impressive feature of the record earnings in each of the last two quarters is that they were achieved without help from these key parts of the economy.For a detailed look at the overall earnings picture, including expectations for the coming periods, please check out our weekly Earnings Trends report >> Solid Start to Q3 Earnings Season Infrastructure Stock Boom to Sweep America A massive push to rebuild the crumbling U.S. infrastructure will soon be underway. It’s bipartisan, urgent, and inevitable. Trillions will be spent. Fortunes will be made. The only question is “Will you get into the right stocks early when their growth potential is greatest?” Zacks has released a Special Report to help you do just that, and today it’s free. Discover 7 special companies that look to gain the most from construction and repair to roads, bridges, and buildings, plus cargo hauling and energy transformation on an almost unimaginable scale.Download FREE: How to Profit from Trillions on Spending for Infrastructure >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Intel Corporation (INTC): Free Stock Analysis Report Johnson & Johnson (JNJ): Free Stock Analysis Report Netflix, Inc. (NFLX): Free Stock Analysis Report Procter & Gamble Company The (PG): Free Stock Analysis Report Tesla, Inc. (TSLA): Free Stock Analysis Report Snap Inc. (SNAP): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksOct 15th, 2021

SCOTT GALLOWAY: "Squid Game" is a lesson. Streaming services are in a race to the top, and some are getting left behind.

As Netflix invests in "glocal" content across 40 countries, other streaming platforms are fighting to keep up. Netflix's innovation is committing to "glocal" content - content sourced and distributed locally with global scale. Youngkyu Park Scott Galloway is a bestselling author and professor of marketing at NYU Stern. The following is a recent blog post, republished with permission, that originally ran on his blog, "No Mercy / No Malice." In it, Galloway talks about how "the market of content is infinite," and how streaming services like Netflix, Amazon Prime, and Disney+ are battling to dominate it. Two weeks ago, at the Code Conference, Endeavor CEO Ari Emanuel claimed "the total addressable market of content is infinite." Netflix is spending $17 billion a year to validate his thesis. So far, they're both right. Since last Friday, Netflix raised subscription prices in 11 countries by as much as 40%. A company's ability to raise prices is a function of the delta between the price and the perceived value. Nothing better illuminates this delta than the below chart: Scott Galloway Glocal"Squid Game" was sourced, written, and produced in South Korea. Within 10 days of its release, the show was No. 1 on Netflix in 90 countries. The Tarantino-meets-Terry-Gilliam take on children's games has the fastest-growing audience of any Netflix original ever, registering a 981% engagement increase in its first week. On TikTok, #SquidGame has been viewed more than 22.8 billion times. The jump in South Korean internet traffic was so great that internet service provider SK Broadband is suing Netflix to pay for the costs it's incurred to deliver the megahit.Q: How did this happen? A: Intentionally. Netflix landed on foreign shores in 2011, when it launched its service in 43 Latin American and Caribbean countries. Now it's available in every country except for China, North Korea, Syria, and the disputed region of Crimea. Four years ago, Co-CEO Reed Hastings estimated Netflix could achieve a 75% to 80% international user base. Currently its non-US streamers make up 65% of its users and generate 56% of total revenue. Netflix is far and away the world leader in distribution. Scott Galloway But expanding distribution globally is nothing new. That's been Hollywood's strategy for generations. Think big production budgets, special effects, and guys in capes. Netflix's innovation was committing to "glocal" content - content sourced and distributed locally with global scale and Nasdaq capital to build an army that's registered historic success. The company is now investing in original programming in 40 countries and has produced original scripted shows in 20 foreign languages. It's spent more than $1 billion on Korean content alone. This year the company has either built or announced plans to build two production facilities in South Korea, offices in Canada, Italy, Colombia, and Turkey, a production hub in Sweden, and a full-service post-production facility in India. In each country, Netflix hires content executives to commission work from the local creative community.The obvious benefit is more local content. South Koreans like "Spider-Man" and "Star Wars," but they have their own cultural traditions and preferences, too, as do the other 189 non-US countries in Netflix's empire. This is true in other industries. Only 10% of Nestlé brands are in more than one country, and fewer than 1% are in more than 10, as it recognizes people want global scale but local products. Consumers in other nations face a choice: the production values of US content or the relevance and connection of local content. Netflix offers both, and it can now provide more home cooking than any other firm. Take HBO Max. Its user interface cannot be changed from English, and it's produced original scripted programming in just two languages other than English. Peacock, Paramount+, and Apple TV+ have all produced none.The secret weapon here is boring and obvious - brute strength. Netflix will spend as much on content this year as Apple, Facebook, or Samsung spend on R&D. Disney and Warner/Discovery can claim they spend more, but their munitions are spent across multiple offerings/brands with different business models. Netflix's investment in glocal content is now paying off at home as well as abroad: US consumption of its non-English-language programming has grown 71% since 2019, and 97% of American Netflix subscribers have watched at least one non-English title in the past year. Read that last sentence again. This is a radical change to the American media landscape. Meanwhile, the number of Americans studying Korean on Duolingo has spiked this month. Should we really have a best "foreign" film award? Scott Galloway Per Ted Sarandos (the other CEO), "Squid Game" is likely to be Netflix's most successful series ever. That means two of its top three series will be internationally produced: "Squid Game" Season 1 (South Korea), "Bridgerton" Season 1 (US), and "Money Heist" Season 4 (Spain). Expect to see more subtitles moving forward.PreyWhile Netflix ascends, the previous prestige television king has lost its crown in a corporate swamp. HBO has demonstrated remarkable resilience, and the case study that still needs to be written is how its culture continues to do more with less. The firm's in late-stage puberty - it's now in its forties - and converting to a streaming platform was as awkward as it sounds.AT&T should never have owned it and, to its credit, recognized this and spun it to Discovery. But Discovery will probably inherit AT&T's legacy shareholder base, which likes dividends and may not have the stomach for the kinds of investments required to muscle up and glocalize. Discovery Inc.'s first-half revenue is up 12% from last year, to $3 billion. That sounds nice until you realize it's a fifth of Netflix's H1 revenue and is still dependent on advertising through linear channels. Put another way, AT&T shareholders may still be in a consensual hallucination that you can have ATT profits with NFLX growth. You can't, and the transition period will likely produce neither. The wild card may be CNN+ - rumor is they've signed up some remarkable talent. Yep, we're talking dragons, bounty hunters, scorching-hot dukes, and sublime chess protégés, all wrapped into one person. So excited for them. But I digress.A scenario: Discovery misses a quarter, as companies do, and the shareholder base realizes this is not the guy they thought they were marrying and bail. Stock takes a hit and invites a new, older suitor, as it's the only media firm with iconic assets that can be acquired - others are too big or have dual-class shareholder structures. The inamorato is from Philadelphia, rough around the edges … and rich. Comcast has the capital and the backbone (see above: Philadelphia) and likely already realizes its homegrown effort (Peacock) is fighting Panzers on horseback.Unleash the mouseDisney had the most impressive launch in OTT history, but its staggering potential is still unrecognized. The company should double down on the rundle (recurring revenue bundle) model and tie all its assets into a tiered subscription offering. Disney² members would get exclusive access to Disney parks, experiences, and merchandise, which today account for 34% of the company's total revenue. Disney is Lebron James in junior high school: It's got unmatched assets but is short on coordination.Our D² rundle vision included a new content feature: edutainment. We suggested the company launch an education product for kids in grades K-12, advice the company seemed to take halfheartedly onboard. In July, Disney licensed its characters to an Indian education company, Byju's, to launch a learning app in the US - a start, but I still think Disney should take matters into its own hands. The synergy of education with parks, merchandise, streaming, and singular IP is a subscription-based motherload the company hasn't tapped.Lieutenant acquirerI correctly predicted Amazon would add healthcare to its ever-accelerating flywheel. I could not have predicted it would pick up James Bond along the way. Amazon announced the acquisition of MGM Studios in May for $8.5 billion (subject to antitrust review), more than double what Disney paid for Marvel or Lucasfilm. Bob Iger's balance sheet used to be his superpower. But $386 billion in annual revenue and a $1.7 trillion market cap make Amazon a formidable force in M&A. It now leads all streamers as measured by number of titles. There are seven times as many movies on Prime Video than on Netflix. Scott Galloway Dark horseRoku has quietly gone door to door through the streaming neighborhood, picking up partnership deals with major distributors. It's now a key operating system for content. In the second quarter, the company registered an almost 20% increase in TV viewing hours year over year, compared to the slight hit other streaming platforms took when we began our slow return to a less-indoor life.The market has provided Roku with the capital to go hunting, even if its first kill is a newborn wildebeest that never learned to walk. Roku acquired Quibi's assets this year for a seventeenth of the funding raised to create its content. It still may have overpaid.The silent generalApple doesn't release any financial data for its streaming product, nor does it report its subscriber numbers. I don't see this as cause for concern. Apple TV+ is Roman Roy - it doesn't matter how badly it fucks up ... it's going to be successful, because Dad owns the railroad. "Ted Lasso" is a good, if not great show. If it was on Hulu, it would be a cult hit getting a fraction of the views and buzz. BTW, if someone showed you "Ted Lasso" a decade ago and told you either Apple or Nike had produced it, you'd have guessed Nike. Nike should and will get into the content game. But that's another post.In sum: Netflix goes global, Disney grows into its content body, HBO ends up with a third owner in as many years, Roku takes off its glasses and becomes the hot girl, the swoosh shows up with sports content, and Amazon and Apple continue to underwhelm but eventually land on their feet, as they were born into privilege.What's the key takeaway, the only thing I'm sure of? I can't wait for Season 3 of "Succession."Life is so rich,ScottRead the original article on Business Insider.....»»

Category: personnelSource: nytOct 15th, 2021

Nintendo Switch Online is getting new features and a new price - here"s how it works

With a Nintendo Switch Online membership you can play online multiplayer games on your Nintendo Switch, along with a selection of classic games. You can sign up for a weeklong trial of Nintendo Switch Online. Nintendo With a Nintendo Switch Online membership you can play online multiplayer games on your Nintendo Switch. A basic Nintendo Switch Online membership is $19.99 for a year, while the "Expansion Pack" plan is $49.99. Nintendo Switch Online also gives you access to dozens of free games, including classics from the Nintendo 64. Visit Insider's Tech Reference library for more stories. If you want to make the most of your Nintendo Switch experience, then you need a Nintendo Switch Online subscription.Nintendo Switch Online gives you unlimited access to online multiplayer, which is great for games like Super Smash Bros. Ultimate, and necessary to play online-only games like Among Us.Quick tip: Some online-only games, like Fortnite and Pokemon UNITE, can be played even without a membership.You can sign up for Nintendo Switch Online using your Switch, or straight from your computer or phone. Here's how much Nintendo Switch Online costs, and some of the exclusive features you'll unlock with your membership.How much is Nintendo Switch Online?There are two Nintendo Switch Online membership tiers: The basic subscription and the "Expansion Pack" subscription. The Expansion Pack will launch on October 25th, and has all the same features of the basic plan, along with some extras that we'll explain below.A basic Nintendo Switch Online subscription costs $3.99 a month, $7.99 for three months, or $19.99 for a year.A Nintendo Switch Online + Expansion Pack subscription costs $49.99 for a year - there's no monthly option. This option will become available on October 25th, 2021. A basic Switch Online plan is about $20, while an Expansion Pack plan is about $50. Nintendo If you're planning on sharing your account, you can also sign up for a Family Membership, which gives up to eight Nintendo Account holders online access for a year. This raises the prices to $34.99 for a basic subscription, and $79.99 for an Expansion Pack subscription. Again, there's no monthly version.No matter which version you pick, you can try Nintendo Switch Online for free for seven days.What a Nintendo Switch Online membership offersLive multiplayer actionA Nintendo Switch Online account lets you play multiplayer games online with gamers from all around the world. This is the service's most important feature, and probably the one that you'll use the most.Quick tip: If the game you're playing has local multiplayer, you can still play that mode without Nintendo Switch Online. You'll need to have all the players in the same room together, though. Having online multiplayer can massively enhance some games. For example, it unlocks competitive tournaments in Pokémon Sword and Shield, and new game modes in Super Smash Bros. Ultimate. Some online-only games require Nintendo Switch Online just to play them - this includes megahits like Among Us and Overwatch. You'll need a subscription to play online in games like Super Smash Bros. Ultimate. Nintendo; Sora Ltd. New battle royale gamesWhen Nintendo Switch Online first launched, it came with an exclusive game: Tetris 99. This is a battle royale version of Tetris that pits you in a survival contest against 99 other players at once. Tetris 99 is exclusive to Nintendo Switch Online. Nintendo Since then, they've also released PAC-MAN 99 and Super Mario Bros. 35, two more modernized versions of classic games.These games are free, but you can only download and play them with a Switch Online membership.Classic Nintendo gamesOne of Nintendo Switch Online's most acclaimed features is its library of classic games. A subscription gives you free access to dozens of these games, which were originally released in the late 1980s and 90s but have been remastered specifically for play on the Switch. A selection of SNES games available for Switch Online members. Nintendo The basic Switch Online plan gives you games from the Nintendo Entertainment System and Super Nintendo Entertainment System, like Double Dragon and Mario Kart. The Expansion Pack adds Nintendo 64 and Sega Genesis games, like The Legend of Zelda: Ocarina of Time and Ecco the Dolphin.You can also play most of these games online with people on your Switch friends list, giving you a brand new way to experience the classics.Backup save dataSwitch Online automatically uploads all of your save data to Nintendo's servers. This means that even if your console is lost or damaged, you won't lose your progress. It also lets you move between Switch consoles easily, without worrying about which device you've played on more.Just remember that if you unsubscribe from the Nintendo Switch Online service, you'll need to resubscribe within 180 days or your cloud saves will be erased.Expansion Pack members get free DLC for popular gamesUsers who've signed up for the Nintendo Switch Online + Expansion Pack plan also have access to downloadable content for certain games.As of this writing, Expansion Pack users who play Animal Crossing: New Horizons will receive the Happy Home Paradise DLC for free. This DLC costs $24.99 by itself. Animal Crossing: New Horizons offers a DLC package to Expansion Pack members. Nintendo There's a good chance that more games will distribute DLC this way in the future.Use the Nintendo Switch Online app Nintendo Switch Online also includes the Nintendo Switch Online app for iPhone and Android, which lets you check your in-game stats and voice chat with other app users.Certain games, like Animal Crossing: New Horizons, gain new features when connected to the Nintendo Switch Online app too.Steven John contributed to a previous version of this article.Yes, the Nintendo Switch has Bluetooth - here's how to connect a headset or new controllerHow to sync Nintendo Switch controllers with your system, so that up to eight people can play at onceHow to add friends in 'Animal Crossing: New Horizons' and have them visit your in-game islandHow to add friends in 'Animal Crossing: New Horizons' and have them visit your in-game islandRead the original article on Business Insider.....»»

Category: worldSource: nytOct 15th, 2021

The 20 best books of 2021, according to Book of the Month readers

Every year, Book of the Month crowns the best book of the year in November. Here are all the 2021 nominees, based on readers' favorites. When you buy through our links, Insider may earn an affiliate commission. Learn more. Every year, Book of the Month crowns the best book of the year in November. Here are all the 2021 nominees, based on readers' favorites. Amazon; Bookshop; Alyssa Powell/Insider Book of the Month sends great books from emerging authors directly to subscribers. At the end of each year, readers vote for their favorite books they read through the service. Here are the 20 most loved BOTM selections of 2021. The winner will be announced on November 11. Book of the Month sends new and noteworthy books - often before they become popular - to subscribers each month. In the past, the company has picked hits such as "The Great Alone" by Kristin Hannah, "Pachinko" by Min Jin Lee, and "The Girl With the Louding Voice" by Abi Daré to bring to its readers.Membership (small)At the end of the year, the club's thousands of subscribers vote on the best books they read through the service, making it a more curated version of Goodreads' best books of the year. For example, the 2020 winner was "The Vanishing Half" by Brit Bennett, which also won the 2020 Goodreads award for Best Historical Fiction.Below, you'll find a reading list of the top 20 books of 2021 according to Book of the Month readers. Book of the Month will announce the best book of 2021 on November 11, awarding the winning author a $10,000 prize. The 20 best books picked by Book of the Month in 2021, according to its readers:Descriptions are provided by Amazon and edited lightly for length and clarity. "Things We Lost To The Water" by Eric Nguyen Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $13.99When Huong arrives in New Orleans with her two young sons, she is jobless, homeless, and worried about her husband, Cong, who remains in Vietnam. As she and her boys begin to settle into life in America, she sends letters and tapes back to Cong, hopeful that they will be reunited and her children will grow up with a father.But with time, Huong realizes she will never see her husband again. While she attempts to come to terms with this loss, her sons, Tuan and Binh, grow up in their absent father's shadow, haunted by a man and a country trapped in their memories and imaginations. As they push forward, the three adapt to life in America in different ways: Huong gets involved with a Vietnamese car salesman who is also new in town; Tuan tries to connect with his heritage by joining a local Vietnamese gang; and Binh, now going by Ben, embraces his adopted homeland and his burgeoning sexuality. Their search for identity — as individuals and as a family — threatens to tear them apart, un­til disaster strikes the city they now call home, and they are suddenly forced to find a new way to come together and honor the ties that bind them. "Imposter Syndrome" by Kathy Wang Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $16.59Julia Lerner, a recent university graduate in computer science, is living in Moscow when she's recruited by Russia's largest intelligence agency in 2006. By 2018, she's in Silicon Valley as COO of Tangerine, one of America's most famous technology companies. In between her executive management (make offers to promising startups, crush them and copy their features if they refuse); self-promotion (check out her latest op-ed in the WSJ, on Work/Life Balance 2.0); and work in gender equality (transfer the most annoying females from her team), she funnels intelligence back to the motherland. But now Russia's asking for more, and Julia's getting nervous.Alice Lu is a first-generation Chinese-American whose parents are delighted she's working at Tangerine (such a successful company!). Too bad she's slogging away in the lower echelons, recently dumped, and now sharing her expensive two-bedroom apartment with her cousin Cheri, a perennial "founder's girlfriend." One afternoon, while performing a server check, Alice discovers some unusual activity, and now she's burdened with two powerful but distressing suspicions: Tangerine's privacy settings aren't as rigorous as the company claims they are, and the person abusing this loophole might be Julia Lerner herself. The closer Alice gets to Julia, the more Julia questions her own loyalties. Russia may have placed her in the Valley, but she's the one who built her career; isn't she entitled to protect the lifestyle she's earned? Part page-turning cat-and-mouse chase, part sharp and hilarious satire, "Impostor Syndrome" is a shrewdly-observed examination of women in tech, Silicon Valley hubris, and the rarely fulfilled but ever-attractive promise of the American Dream. "The Lost Apothecary" by Susan Penner Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $13.99Hidden in the depths of 18th-century London, a secret apothecary shop caters to an unusual kind of clientele. Women across the city whisper of a mysterious figure named Nella who sells well-disguised poisons to use against the oppressive men in their lives. But the apothecary's fate is jeopardized when her newest patron, a precocious 12-year-old, makes a fatal mistake, sparking a string of consequences that echo through the centuries.Meanwhile, aspiring historian Caroline Parcewell spends her 10th wedding anniversary alone in present-day London, running from her own demons. When she stumbles upon a clue to the unsolved apothecary murders that haunted London 200 years ago, her life collides with the apothecary's in a stunning twist of fate — and not everyone will survive. "This Close To Okay" by Leese Cross-Smith Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $15.62On a rainy October night in Kentucky, recently divorced therapist Tallie Clark is on her way home from work when she spots a man precariously standing at the edge of a bridge. Without a second thought, Tallie pulls over and jumps out of the car into the pouring rain. She convinces the man to join her for a cup of coffee, and he eventually agrees to come back to her house, where he finally shares his name: Emmett. Over the course of the emotionally charged weekend that follows, Tallie makes it her mission to provide a safe space for Emmett, though she hesitates to confess that this is also her day job. What she doesn't realize is that Emmett isn't the only one who needs healing — and they both are harboring secrets.Alternating between Tallie and Emmett's perspectives as they inch closer to the truth of what brought Emmett to the bridge's edge — as well as the hard truths Tallie has been grappling with since her marriage ended — "This Close to Okay" is an uplifting, cathartic story about chance encounters, hope found in unlikely moments, and the subtle magic of human connection. "We Are the Brennans" by Tracey Lange Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $19.49When 29-year-old Sunday Brennan wakes up in a Los Angeles hospital, bruised and battered after a drunk driving accident she caused, she swallows her pride and goes home to her family in New York. But it's not easy. She deserted them all — and her high school sweetheart — five years before with little explanation, and they've got questions.Sunday is determined to rebuild her life back on the east coast, even if it does mean tiptoeing around resentful brothers and an ex-fiancé. The longer she stays, however, the more she realizes they need her just as much as she needs them. When a dangerous man from her past brings her family's pub business to the brink of financial ruin, the only way to protect them is to upend all their secrets — secrets that have damaged the family for generations and will threaten everything they know about their lives. In the aftermath, the Brennan family is forced to confront painful mistakes — and ultimately find a way forward together. "The Maidens" by Alex Michaelides Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $16.78Edward Fosca is a murderer. Of this, Mariana is confident. But Fosca is untouchable. A handsome and charismatic Greek tragedy professor at Cambridge University, Fosca is adored by staff and students alike ― particularly by the members of a secret society of female students known as The Maidens.Mariana Andros is a brilliant but troubled group therapist who becomes fixated on The Maidens when one member, a friend of Mariana's niece Zoe, is found murdered in Cambridge.Mariana, who was once herself a student at the university, quickly suspects that behind the idyllic beauty of the spires and turrets, and beneath the ancient traditions, lies something sinister. And she becomes convinced that, despite his alibi, Edward Fosca is guilty of the murder. But why would the professor target one of his students? And why does he keep returning to the rites of Persephone, the maiden, and her journey to the underworld?When another body is found, Mariana's obsession with proving Fosca's guilt spirals out of control, threatening to destroy her credibility as well as her closest relationships. But Mariana is determined to stop this killer, even if it costs her everything ― including her own life. "Razorblade Tears" by S.A. Cosby Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $20.10Ike Randolph has been out of jail for 15 years, with not so much as a speeding ticket in all that time. But a Black man with cops at the door knows to be afraid.The last thing he expects to hear is that his son Isiah has been murdered, along with Isiah's white husband, Derek. Ike had never fully accepted his son but is devastated by his loss.Derek's father, Buddy Lee, was almost as ashamed of Derek for being gay as Derek was ashamed of his father's criminal record. Buddy Lee still has contacts in the underworld, though, and he wants to know who killed his boy.Ike and Buddy Lee, two ex-cons with little else in common other than a criminal past and a love for their dead sons, band together in their desperate desire for revenge. In their quest to do better for their sons in death than they did in life, hardened men Ike and Buddy Lee will confront their prejudices about their sons and each other as they rain down vengeance upon those who hurt their boys. "Malibu Rising" by Taylor Jenkins Reid Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $16.80Malibu: August 1983. It's the day of Nina Riva's annual end-of-summer party, and anticipation is at a fever pitch. Everyone wants to be around the famous Rivas: Nina, the talented surfer and supermodel; brothers Jay and Hud, one a championship surfer, the other a renowned photographer; and their adored baby sister, Kit. Together, the siblings are a source of fascination in Malibu and the world over — especially as the offspring of the legendary singer Mick Riva.The only person not looking forward to the party of the year is Nina herself, who never wanted to be the center of attention, and who has also just been very publicly abandoned by her pro tennis player husband. Oh, and maybe Hud — because it is long past time for him to confess something to the brother from whom he's been inseparable since birth.Jay, on the other hand, is counting the minutes until nightfall, when the girl he can't stop thinking about has promised she'll be there.And Kit has a couple of secrets of her own — including a guest she invited without consulting anyone.By midnight the party will be entirely out of control. By morning, the Riva mansion will have gone up in flames. But before that first spark in the early hours before dawn, the alcohol will flow, the music will play, and the loves and secrets that shaped this family's generations will all come rising to the surface. "Four Winds" by Kristin Hannah Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $14.49Texas, 1921. A time of abundance. The Great War is over, the land's bounty is plentiful, and America is on the brink of a new and optimistic era. But for Elsa Wolcott, deemed too old to marry in a time when marriage is a woman's only option, the future seems bleak. Until the night she meets Rafe Martinelli and decides to change the direction of her life. With her reputation in ruin, there is only one respectable choice: Marriage to a man she barely knows.By 1934, the world has changed; millions are out of work, and drought has devastated the Great Plains. Farmers are fighting to keep their land and their livelihoods as crops fail and water dries up and the earth cracks open. Dust storms roll relentlessly across the plains. Everything on the Martinelli farm is dying, including Elsa's tenuous marriage; each day is a desperate battle against nature and a fight to keep her children alive.In this uncertain and perilous time, Elsa ― like so many of her neighbors ― must make an agonizing choice: Fight for the land she loves or leave it behind and go west, to California, in search of a better life for her family. "The People We Keep" by Alison Larkin Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $22.99Little River, New York, 1994: April Sawicki is living in a motorless motorhome that her father won in a poker game. Failing out of school, picking up shifts at Margo's diner, she's left fending for herself in a town where she's never quite felt at home. When she "borrows" her neighbor's car to perform at an open mic night, she realizes her life could be much bigger than where she came from. After a fight with her dad, April packs her stuff and leaves for good — setting off on a journey to find her own life.Driving without a chosen destination, she stops to rest in Ithaca. Her only plan is to survive, but as she looks for work, she finds a kindred sense of belonging at Cafe Decadence, the local coffee shop. Still, somehow, it doesn't make sense to her that life could be this easy. The more she falls in love with her friends in Ithaca, the more she can't shake the feeling that she'll hurt them the way she's been hurt.As April moves through the world, meeting people who feel like home, she chronicles her life in the songs she writes and discovers that where she came from doesn't dictate who she has to be. "The Heart Principle" by Helen Hoang Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $13.99When violinist Anna Sun accidentally achieves career success with a viral YouTube video, she finds herself incapacitated and burned out from her attempts to replicate that moment. And when her longtime boyfriend announces he wants an open relationship before making a final commitment, a hurt and angry Anna decides that if he wants an open relationship, then she does, too. Translation: She's going to embark on a string of one-night stands — the more unacceptable the men, the better.That's where tattooed, motorcycle-riding Quan Diep comes in. Their first attempt at a one-night stand fails, as does their second and their third, because being with Quan is more than sex — he accepts Anna on an unconditional level that she has just started to understand. However, when tragedy strikes Anna's family, she takes on a role that she is ill-suited for until the burden of expectations threatens to destroy her. Anna and Quan have to fight for their chance at love — but to do that, they also have to fight for themselves. "Instructions for Dancing" by Nicola Yoon Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $14.40Evie Thomas doesn't believe in love anymore. Especially after the strangest thing occurs one otherwise ordinary afternoon: She witnesses a couple kiss and is overcome with a vision of how their romance began… and how it will end. After all, even the greatest love stories end with a broken heart, eventually.As Evie tries to understand why this is happening, she finds herself at La Brea Dance Studio, learning to waltz, fox-trot, and tango with a boy named X. X is everything that Evie is not: Adventurous, passionate, daring. His philosophy is to say yes to everything — including entering a ballroom dance competition with a girl he's only just met.Falling for X is definitely not what Evie had in mind. If her visions of heartbreak have taught her anything, it's that no one escapes love unscathed. But as she and X dance around and toward each other, Evie is forced to question all she thought she knew about life and love. In the end, is love worth the risk? "Once There Were Wolves" by Charlotte McConaghy Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $20.99Inti Flynn arrives in Scotland with her twin sister, Aggie, to lead a team of biologists tasked with reintroducing 14 gray wolves into the remote Highlands. She hopes to heal not only the dying landscape but Aggie, too — unmade by the terrible secrets that drove the sisters out of Alaska.Inti is not the woman she once was, either, changed by the harm she's witnessed ― inflicted by humans on both the wild and each other. Yet, as the wolves surprise everyone by thriving, Inti begins to let her guard down, even opening herself up to the possibility of love. But when a farmer is found dead, Inti knows where the town will lay blame. Unable to accept that her wolves could be responsible, Inti makes a reckless decision to protect them. But if the wolves didn't make the kill, then who did? And what will Inti do when the man she is falling for seems to be the prime suspect? "People We Meet On Vacation" by Emily Henry Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $9.98Poppy and Alex. Alex and Poppy. They have nothing in common. She's a wild child; he wears khakis. She has insatiable wanderlust; he prefers to stay home with a book. And somehow, ever since a fateful car share home from college many years ago, they are the very best of friends. For most of the year, they live far apart — she's in New York City, and he's in their small hometown — but every summer, for a decade, they have taken one glorious week of vacation together.Until two years ago, when they ruined everything. They haven't spoken since.Poppy has everything she should want, but she's stuck in a rut. When someone asks when she was last truly happy, she knows, without a doubt, it was on that ill-fated, final trip with Alex. And so, she decides to convince her best friend to take one more vacation together — lay everything on the table, make it all right. Miraculously, he agrees.Now she has a week to fix everything. If only she can get around the one big truth that has always stood quietly in the middle of their seemingly perfect relationship. What could possibly go wrong? "The Inheritance of Orquídea Divina" by Zoraida Cordove Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $21.49The Montoyas are used to a life without explanations. They know better than to ask why the pantry never seems to run low or empty or why their matriarch won't ever leave their home in Four Rivers — even for graduations, weddings, or baptisms. But when Orquídea Divina invites them to her funeral and to collect their inheritance, they hope to learn the secrets that she has held onto so tightly their whole lives. Instead, Orquídea is transformed, leaving them with more questions than answers.Seven years later, her gifts have manifested differently for Marimar, Rey, and Tatinelly's daughter, Rhiannon, granting them unexpected blessings. But soon, a hidden figure begins to tear through their family tree, picking them off one by one as it seeks to destroy Orquídea's line. Determined to save what's left of their family and uncover the truth behind their inheritance, the four descendants travel to Ecuador — to the place where Orquídea buried her secrets and broken promises and never looked back. "Damnation Spring" by Ash Davidson Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $19.81Colleen and Rich Gundersen are raising their young son, Chub, on the rugged California coast. It's 1977, and life in this Pacific Northwest logging town isn't what it used to be. For generations, the community has lived and breathed timber; now, that way of life is threatened. Colleen is an amateur midwife. Rich is a tree-topper. It's a dangerous job that requires him to scale trees hundreds of feet tall — a job that both his father and grandfather died doing. Colleen and Rich want a better life for their son — and they take steps to assure their future. Rich secretly spends their savings on a swath of ancient Redwoods. Colleen, desperate to have a second baby, challenges the logging company's use of herbicides that she believes are responsible for the many miscarriages in the community — including her own. The pair find themselves on opposite sides of a budding conflict that threatens the very thing they are trying to protect: Their family. "The Star-Crossed Sisters of Tuscany" by Lori Nelson Spielman Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $10.95Since the day Filomena Fontana cast a curse upon her sister more than 200 years ago, not one second-born Fontana daughter has found lasting love. Some, like second-born Emilia, the happily single baker at her grandfather's Brooklyn deli, claim it's an odd coincidence. Others, like her sexy, desperate-for-love cousin Lucy, insist it's an actual hex. But both are bewildered when their great-aunt calls with an astounding proposition: If they accompany her to her homeland of Italy, Aunt Poppy vows she'll meet the love of her life on the steps of the Ravello Cathedral on her 80th birthday — and break the Fontana Second-Daughter Curse once and for all.Against the backdrop of wandering Venetian canals, rolling Tuscan fields, and enchanting Amalfi Coast villages, romance blooms, destinies are found, and family secrets are unearthed — secrets that could threaten the family far more than a centuries-old curse. "The Last Thing He Told Me" by Laura Dave Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $12.92Before Owen Michaels disappears, he smuggles a note to his beloved wife of one year: Protect her.Despite her confusion and fear, Hannah Hall knows exactly to whom the note refers — Owen's 16-year-old daughter, Bailey. Bailey, who lost her mother tragically as a child. Bailey, who wants absolutely nothing to do with her new stepmother. As Hannah's increasingly desperate calls to Owen go unanswered, as the FBI arrests Owen's boss, as a US marshal and federal agents arrive at her Sausalito home unannounced, Hannah quickly realizes her husband isn't who he said he was. And that Bailey just may hold the key to figuring out Owen's true identity — and why he disappeared.Hannah and Bailey set out to discover the truth. But as they start putting together the pieces of Owen's past, they soon realize they're also building a new future — one neither of them could have anticipated.You can read our interview with author Laura Dave here. "The Office of Historical Corrections" by Danielle Evans Bookshop; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $17.49Danielle Evans is known for her blisteringly smart voice and X-ray insights into complex human relationships. With "The Office of Historical Corrections," Evans zooms in on particular moments and relationships in her characters' lives in a way that allows them to speak to larger issues of race, culture, and history. She introduces us to Black and multiracial characters experiencing the universal confusions of lust and love and getting walloped by grief — all while exploring how history haunts us, personally and collectively. Ultimately, she provokes us to think about the truths of American history — about who gets to tell them and the cost of setting the record straight. "Infinite Country" by Patricia Engel Amazon; Lauren Arzbaecher/Insider Available at Amazon and Bookshop from $14.80I often wonder if we are living the wrong life in the wrong country.Talia is being held at a correctional facility for adolescent girls in the forested mountains of Colombia after committing an impulsive act of violence that may or may not have been warranted. She urgently needs to get out and get back home to Bogotá, where her father and a plane ticket to the United States are waiting for her. If she misses her flight, she might also miss her chance to finally reunite with her family.How this family came to occupy two different countries — two different worlds — comes into focus like twists of a kaleidoscope. We see Talia's parents, Mauro and Elena, fall in love in a market stall as teenagers against a backdrop of civil war and social unrest. We see them leave Bogotá with their firstborn, Karina, in pursuit of safety and opportunity in the United States on a temporary visa, and we see the births of two more children, Nando and Talia, on American soil. We witness the decisions and indecisions that lead to Mauro's deportation and the family's splintering — the costs they've all been living with ever since. Read the original article on Business Insider.....»»

Category: worldSource: nytOct 15th, 2021

Microsoft To Shut Down LinkedIn In China Following Censorship Criticism

Microsoft To Shut Down LinkedIn In China Following Censorship Criticism Authored by Eva Fu via The Epoch Times, Microsoft is abandoning its local version of LinkedIn in China, a move that would close off the last major U.S.-owned networking platforms remaining in the country. LinkedIn entered mainland China in 2014, a country known for its highly restrictive censorship practices set by the ruling Communist Party. The platform now boasts about 53 million local users, or roughly 7 percent of its global total. But the professional networking site has recently drawn growing criticism over its move to block the profiles of researchers and others whose work involves China. In a statement on Oct. 14, LinkedIn said that it made the decision to discontinue the seven-year venture upon facing “a significantly more challenging operating environment and greater compliance requirements in China.” In its place, LinkedIn said it will later this year set up a new job search application called InJobs without a social feed or post sharing features. “While we’ve found success in helping Chinese members find jobs and economic opportunity, we have not found that same level of success in the more social aspects of sharing and staying informed,” the company statement said. China has some of the most strictest control over the internet. Twitter and Facebook were banned more than a decade ago. Google exited the country in 2010, four years after launching a self-censored search engine there. LinkedIn has made a number of controversial moves since its entry to the Chinese market that critics deem as appeasement to Beijing. That includes blocking coverage about 1989 Tiananmen Square massacre, eliminating the presence of a Tiananmen activist, and freezing the account of a China critic after he called the Chinese regime a “repressive dictatorship” and the state media “propaganda mouthpieces.” Scrutiny over the platform’s censorship practices has intensified since June. On the morning of June 3, the eve of the anniversary of the Tiananmen Square massacre, staff members from The Epoch Times based in the United States, Sweden, Turkey, and elsewhere were informed by the company that their profiles would be hidden in China. A redacted LinkedIn message received by employees of The Epoch Times on June 3, 2021. (Screenshot via LinkedIn) More journalists and researchers have received similar messages over the following months. Affected users were also told that their account in China could be restored if they agreed to remove unspecified content. Asked by The Epoch Times at the time, the company said that “[d]ue to local legal requirements within China, the profiles and activity of some LinkedIn members associated with certain publishing organizations are not visible within China at this time.” It further pointed to a 2014 statement from its former CEO Jeff Weiner, who argued that despite LinkedIn’s support for freedom of expression, its absence from China would deny Chinese users the opportunity to “pursue and realize the economic opportunities, dreams, and rights most important to them.” The fresh wave of censorship by the platform has caught U.S. lawmakers’ attention. “LinkedIn’s willingness to carry water for the Chinese regime raises questions about how Microsoft became the only technology company with significant access to the Chinese market,” Rep. Jim Banks (R-Ind.) wrote in a Sept. 24 letter. Tyler Durden Thu, 10/14/2021 - 22:00.....»»

Category: dealsSource: nytOct 14th, 2021

The 5 best thermometers in 2021

A reliable thermometer can accurately tell if you or your child are running a fever. We rigorously tested 10 of the top brands; here are the 5 best. Table of Contents: Masthead Sticky Every household should have an accurate digital thermometer and know how and when to use it. The CDC recommends checking your temperature before heading to work, school, or other public places. Our top pick, iProven's DMT-489, reads accurately in 1 second and can be used in-ear or on forehead. This article was medically reviewed by Benjamin Hoffman, MD, professor of pediatrics at Oregon Health and Science University. Having an accurate thermometer on hand can help tell you how severely the body is in distress - whether it's confirming that you or your baby is ill enough to need a doctor or the hospital, or if your systems are safe after being exposed to dangerous weather.A fever also one of the key symptoms of COVID-19, and many businesses, school, gyms, and other public places as you to confirm you don't have one before entering. (It's worth noting that influenza usually produces higher fevers than common colds, and not everyone with COVID19 even spikes a fever.) Luckily, getting a quick temperature reading is remarkably easy and safe these days. But the biggest variable among thermometers you can buy is really just: Is it accurate? That's why I tested 10 leading thermometers, in addition to speaking with many experts and parents on which type of home thermometer is best and other FAQs on therometers and fevers.Here are the best thermometers to check for a fever:Best thermometer overall: iProven Forehead and Ear Thermometer DMT-489Best thermometer on a budget: Vicks Comfort Flex ThermometerBest infrared non-contact thermometer: iHealth No-Touch Forehead Thermometer PT3Best thermometer for daily testing: Kinsa Quick Care Smart ThermometerBest thermometer for kids: Exergen Temporal Artery Thermometer with Smart Glow How we tested thermometers Molly Hebda/Insider I reached out to a number of pediatricians for their expert opinion on thermometers and read journal articles, "Consumer Reports," customer reviews, and even spoke with 20 parents about their temperature-taking experiences.I narrowed it down to the top 10 thermometers and tested each myself nine times over the course of three days on myself and my two kids, as well as a handful of times on my sister and two of my nieces, one of whom is an infant. I also handed off two of the infrared thermometers to Cindy Mrotek, owner of A.C.E Behavior Solutions, an essential business screening adults and children with special health care needs upon entry, for testing over the course of one week.I looked at each product's speed, size of display, mute options, memory recall, batteries, warranty options, and storage containers. I also looked hard look at:Accuracy, precision, and readability of thermometer instructions: You have to use a thermometer correctly for an accurate reading, so I evaluated the information on each product's box and inside its user manual from a health literacy perspective, including how helpful and easy to read the instructions were. Models varied, with some having a quick guide with pictures (great), information in Spanish (big bonus), or a QR code for video instructions, while others had print so tiny you need a magnifying glass to read it.  Cost and availability: Since thermometers are an essential part of an at-home health kit, they need to be affordable. Some on our list are the price of two cups of coffee, while others are upwards of $30, but we also layout how you can save money on a thermometer by using your health savings account or flex spending account.  Best thermometer overall Molly Hebda/Business Insider The iProven Forehead and Ear Thermometer DMT-489 is highly impressive with an accurate instant read in just one second, versatile use, and comprehensive instructions on quality packaging. Pros: User friendly, easy to read, nice storage pouch, precise, can be used either contactless or in-earCons: Cap to change methods difficult to snap on, no probe covers The iProven DMT-489 infrared therometer is two-in-one, as it allows you to switch from reading via an in-ear probe or a forehead setting, the latter of which is safer for infants under 3 months old.It was highly accurate in my tests, reading within 0.5-1.0 degrees again and again for forehead readings and within 0.5-0.8 degrees for ear mode. It also displays the temperature within one second.There are separate buttons for "head" and "ear," and to change from one to the other, you need to snap on or off the top cap of the thermometer, which I found a little difficult but still doable.To get an accurate ear temperature,  you have to insert and place the probe top correctly, so be sure to read the instructions thoroughly. It took me a couple of tries to feel confident taking my own temperature this way.I liked that it has a fever alarm and color temperature indication to take the guesswork out of interpreting the readings. The manual also includes a very comprehensive comparison table on how to interpret measurements based on age and method. The thermometer can also store up to 20 past readings for easy comparison. The devices comes with two AA batteries, a soft pouch for storage (great for travel and diaper bags), and cleaning instructions. It also comes with a two-year limited warranty and the option of an extended year warranty for free. Best budget thermometer Molly Hebda/Business Insider The Vicks Comfort Flex Thermometer was the most affordable of the thermometers tested, easy to use, and has a large digital screen with color-coded readings to indicate fever.Pros: Affordable, multiuse, precise, large digital display, comes with probe coversCons: Very loud beep, must turn off and on between readings, colored fever alerts misleading, coin cell battery is more annoying to replace The Vicks Comfort Flex Thermometer is easy to use right out the box: There's only one button and you have the option to use the device orally, rectally, or under the arm. Its runs on an included coin cell button battery.I found the large digital display to be the easiest to read of all the thermometers I tested. It also beeps the loudest of the group, which is especially helpful for seniors with visual and hearing impairments, but also could be a nuisance for some considering the beeping lasts a full eight seconds.The LCD screen uses a color temperature indication alongside displaying the actual number, which is generally helpful but fever isn't the same for everyone so this could be alarmist if you run hot.The precision and repeatability of the thermometer was quite good in my tests and only varied by about 0.5 degrees. Although the box says the Vicks Comfort Flex Thermometer takes 10-12 seconds to read your temperature, I found it was actually much quicker with a response time of 5 to 6 seconds orally and 6 to 7 seconds rectally. It is a little annoying that you have to turn it off and back on to take a second reading, and it is  only able to recall the last reading you took. But I did like that this model comes with 100 disposable probe covers and a protective holder, along with a one-year limited warranty and instructions in English and Spanish. Best infrared non-contact thermometer Molly Hebda/Business Insider The iHealth No-Touch Forehead Thermometer PT3 reads in just one second and makes it easy to accurately take anyone's temperature while being socially distant. Pros: Fast reading, precise, no beeping, helpful content in user manual  Cons: Vibration may be missed, prone to user error, doesn't work well for kids that won't sit stillPrior to testing the iHealth No-Touch Forehead Thermometer PT3 myself, I'd already seen it in action for pre-screening at both my dentist's office and my daughter's daycare. It seemed like a good product that offered quick readings.When I tested it myself, I found that first impression held up. Instead of a beeping alarm, the device vibrates once it has a reading, which also lights up the LED display. This is nice if you don't want a loud noise, and upon testing, I found the precision and repeatability varied only by 0.5 degrees. I also had Cindy Mrotek, whose business A.C.E Behavior Solutions screens people upon entry, try it out and she said the iHealth was a faster read compared to other infrared thermometers. However, she added it was a bit difficult to use on kids that can't sit still. I myself found the device woudn't read if it was too far away from the skin.The iHealth comes with a user manual in English and Spanish, a quick guide with pictures, two AAA batteries, and cleaning instructions. It also has a one-year limited warranty.  Best thermometer for daily testing Molly Hebda/Business Insider If you're tech-savvy and looking for a great smart thermometer, the Kinsa Quick Care Smart Thermometer can be used three ways and even allows you to contribute to public health research. Pros: Diverse way to read temps, can support multiple family members and keep temperature records separate, has great app features, contributes to public health research  Cons: Needs app to work, does not include probe covers,Every morning, I have to self-certify that my kids are free of COVID-19 symptoms before sending them off to school. A smart thermometer like the Kinsa — which stores all the readings for each individual family member on my phone and helps me monitor their baseline temperature — makes that daily routine much easier to manage.The Kinsa Quick Care Smart Thermometer connects to your smartphone via Bluetooth and uses an app, which I found easy to set up. I then created profiles for each member of my family, which includes inputting their birthdays to help the app's algorithm provide appropriate care instructions person to person. You can also add notes, symptoms, and track medication doses within the app.After each reading, the thermometer displays not only the temperature but a happy, neutral, or sad-face emoji corresponding with fever status.You can check the temperature orally, under the armpit, or rectally (they also make a separate model specific for in-ear use). Although the box says the response time is 8 seconds, I found it to read a temperature between 2 to 3 seconds when used orally. The precision varies between 0.8 and 0.5 degrees.Kinsa sits in a really unique space for both thermometers and smart equipment contributing to public health: As Hilary Brueck, Insider's Senior Health and Science reporter, has laid out, the smart thermometer has helped forecast outbreaks of both the coronavirus and the flu, including detecting fever spikes weeks before hospitals and clinics start to see an influx of patients. It's an added bonus that using this stellar, versatile, and accurate thermometer can help contribute to predicting COVID hotspots. Best thermometer for kids Molly Hebda/Business Insider The Exergen Temporal Artery Thermometer with Smart Glow was the most accurate and consistent out of all the thermometers I tested and has over 80 peer-reviewed clinical studies to back up its use on children. Pros: Most precise tested, suitable for all ages older than three monthsCons: Unintuitive, dim display, plastic cap to protect the sensor easy to lose Next to rectal thermometers, temporal artery thermometers are the most reliable way to get an accurate reading on children and babies over 3 months of age. (Use a rectal thermometer on infants under 3 months.) With the Exergen Temporal Artery Thermometer, a gentle stroke across a child's forehead captures the naturally emitted heat waves coming from the skin over the temporal artery to give a reading in 2 to 3 seconds. It can store up to eight readings. When tested repeatedly, the Exergen thermometer delivered the most consistent and precise results of any model tested on myself and my kids — within 0.3 degrees.However, unlike other models with backlight displays, the Exergen has a relatively small LCD display screen with a dim readout. It may be hard to see if you are in a dark room. However, unlike others, this thermometer wasn't as intuitive to use, despite having instructions printed directly on the back of the device, I wasn't sure if I was correctly stroking the top of the unit across the forehead. But the instruction manual had a QR code which led to videos demonstrating how to use it, which was helpful. The model comes with a 9V battery already installed, cleaning instructions, and a five-year limited product warranty.Read our guide to the best thermometers for babies and children for additional options. What else we considered Molly Hebda/Business Insider What we recommendBraun Thermoscan 7 Ear Thermometer ($38): This is a fantastic in-ear thermometer with much peer-reviewed research to back it up, and not only do we recommend it but many parents I spoke with already own it. The downsides are it takes 10 seconds to read a temp, and it's the most expensive option I tested — especially when you factor in the disposable lens filters that need replacing for accuracy and hygiene.Dr. Talbot's Infrared Forehead Thermometer, Non-Contact ($19.89): This device has comparable precision and speed to the iHealth and is designed for contactless reading of infants over 3 months, including adults. I liked this device and it was easy to operate, but it's more expensive than the iHealth and was difficult to change the settings using only the trigger. Kinsa Smart Ear Thermometer ($39.99): The Kinsa is super sleek and easy to use on yourself, which can be tricky for the ear. I also found the app to be tremendous in terms of content with very helpful instructions. Even though the readings only took a second, the precision tended to vary by 1.5 degrees.What we don't recommendCVS Health Flexible Tip Digital Thermometer ($18.49): This unit was disqualified because did not function at all. Vicks SpeedRead Digital Thermometer with Fever InSight ($9.72): Despite being called "SpeedRead," this device took 8 seconds to deliver a reading — slower than its cousin, the Vicks Comfort Flex, our best budget thermometer. Plus, I found the SpeedRead to have a metallic taste. What we're looking forward to tryingExergen Temporal Artery Thermometer Original ($42.99): We were unable to test this due to an inventory shortage at the time we were evaluating thermometers for this guide. Which type of at-home thermometer is best? Your basic digital thermometer options to choose from are: Single-use stick thermometer (marketed for rectal only) Multiuse stick thermometer (rectum, mouth, or armpit)  Tympanic thermometer (ear) Temporal artery thermometer (forehead)Tympanic and temporal thermometer (ear and forehead) Infrared non-contact thermometer (forehead)  Though there's plenty of apprehension about no-contact thermometers, a column in Ask a Pediatrician by Dr. Elizabeth Murray, an official spokesperson for the AAP, addresses those concerns directly. Murray says that "the claims about their danger are false … It is the infrared energy coming from the person that is being gathered by the thermometer, not infrared light being projected to the person."All thermometers sold in the United States must meet federal standards and are already calibrated for home use at the time of purchase. FAQs Which type of thermometer is the most accurate?Dr. John Vann, a pediatrician in Omaha, told Insider that only a rectal temperature offers a true outpatient reading. "Everything else is an estimate," he said."Luckily, the exact number is not usually as important as how the patient looks," he adds. Which is to say, there are other indicators of how severe someone's illness or condition is other than an optimally-accurate temperature reading. There are also reliable methods for checking your temperature even if you don't have access to a thermometer.No matter if you opt for an infrared thermometer or a strictly ear-based model, it's important to know fever isn't the same for everyone and that it varies by age, gender, and time of day, among other variables. Using a thermometer at various times of the day when you're feeling well gives you an idea of what's normal for you, or your baseline temperature. Which is the best thermometer for home use?Among at-home thermometers, medical research hasn't determined an exact correlation between oral, rectal, ear, armpit, and forehead temperature measurements. But Kaiser Permanente notes that an ear (tympanic) temperature is 0.5 to 1 degree higher than an oral temperature and a forehead (temporal) scanner is usually 0.5 to 1 degree lower than an oral temperature. What is the best thermometer to use for COVID?The best thermometer for COVID is really just one that is accurate and reliable. That means any of the thermometers on our list are great for checking for COVID symptoms. That being said, if you're using the thermometer on more than one person, it's best to use a contactless reader to not cross-contaminate. In that case, we highly recommend the iHealth No-Touch Forehead Thermometer PT3 or the Exergen Temporal Artery Thermometer with Smart Glow, both of which proved to be accurate and reliable in my tests.Can I use my HSA/FSA funds to buy a thermometer?If you have an HSA or an FSA account, know that over-the-counter digital thermometers are eligible for reimbursement without a prescription. Here's how it works: If you pay with cash or credit card in a store or online, you can request a reimbursement from your HSA/FSA account. Different plans have different requirements on what's needed for reimbursement but usually, a copy of your thermometer receipt will be enough.There are HSA and FSA-specific retailers, like the HSA Store and the FSA Store that make shopping for items that qualify for reimbursement really simple. According to both websites, when shoppers use an HSA or FSA card to pay, they typically don't have to submit receipts; purchases on these websites automatically substantiate. It is worth noting, however, that the thermometer options available on these websites are limited and cost more than other retailers. What counts as a fever?Many Americans think anything over 98.6 degrees Fahrenheit is a problem, but what constitutes a fever is actually different person to person.Rik Heller, a biomedical engineer and thermographic expert, tells Insider, "Age, gender, and even time of day impact normal body temperatures." Some children's temperatures especially run higher than others, points out Dr. Jesse Hackell, a practicing pediatrician with New York-based Pomona Pediatrics. Any reading of 100.4 F or higher in a baby younger than 3 months is reason to call the pediatrician. "Another reason to call is if the fever persists for more than 24 hours in children younger than two and more than three days in a child 2 years of age or older," he said.Meanwhile, older adults tend to have lower baseline temperatures than younger adults; sometimes fevers in the elderly are completely absent.To figure out what's a fever for you, you want to find your baseline temperature (i.e., what's normal for you) by checking your temperature at various times of the day when you are feeling well. At the end of the day, how you or your child is acting and feeling is the best indicator of a fever over the number on a thermometer, multiple of our doctors say. Our expert sources Jesse Hackell MD, FAAP, chair of the American Academy of Pediatrics Committee on Practice and Ambulatory Medicine and a practicing pediatrician with New York-based Pomona Pediatrics, a division of Boston Children's Health PhysiciansJohn Vann, MD, FAAP, a pediatrician at Omaha Children's Clinic in Omaha, NebraskaDr. Jenifer Johnson, a family medicine physician and internist at Westmed Medical Group in Westchester, NYRik Heller, a biomedical engineer and thermographic expert who founded the clinical-grade thermometer company, WelloCindy Mrotek, business owner of ACE Behavior SolutionsAP News. Infrared thermometers used for COVID-19 testing do not pose risk to pineal gland. July 28, 2020Consumer Reports. Thermometer Buying Guide. September 23, 2016NASA. Ingestible Thermometer Pill Helps Athletes Beat the Heat. January 8, 2007EPA. Mercury Thermometers. June 26, 2018CDC. How COVID19 Spreads. October 5, 2020Business Insider. Coronavirus temperature scans are nothing more than pandemic security theater. In some cases, they're dangerous.Mayo Clinic. Thermometers: Understand the options. September 15, 2018HealthyChildren.org. When to Call the Pediatrician: Fever. November 21, 2015HealthyChildren.org. How to Take Your Child's Temperature. October 12, 2020HealthyChildren.org. Are Infrared Thermometers Safe? October 15, 2020New York Times. Can Smart Thermometers Track the Spread of the Coronavirus? March 18, 2020Kaiser Permanente. Fever Temperatures: Accuracy and Comparison. June 26, 2019HSA Store websiteFSA Store website Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021

Is It Time For A Special Counsel On The Hunter Biden Scandal?

Is It Time For A Special Counsel On The Hunter Biden Scandal? Authored by Jonathan Turley, “Come on H this is linked to Celtic’s account.” Those nine words from a retired Secret Service agent to Hunter Biden in recently released emails may prove a nasty complication for some in Washington who have struggled to contain the blowback from the still-unfolding scandal linked to Hunter Biden’s infamous laptop. “Celtic” was the Secret Service code name for Joe Biden, and recent disclosures may puncture the media’s cone-of-silence around the scandal. The emails link President Biden to his son’s accounts and indicate a comingling of funds with money coming from controversial foreign sources.  Even more embarrassing, the shared account many have been used to pay a Russian prostitute named “Yanna.” The comingling of funds is the latest contraction of President Biden’s repeated claims that he was unaware and uninvolved in past dealings by his son. Given these links, there are legitimate questions of why the Justice Department has not sought a special counsel in the ongoing investigation of alleged money-laundering and tax violations linked to the president’s son. More importantly, even if there are no criminal charges, there is now a compelling need for an independent report on the alleged influence peddling operation by Hunter, his uncle James Biden, and potentially his father, President Biden. In the latest disclosures from the laptop, a former secret service agent reportedly texted Hunter on May 24, 2018, when he was holed up with a Russian prostitute in an expensive room at The Jeremy Hotel in Los Angeles. Hunter wired the woman $25,000. That alone was nothing out of the ordinary for Hunter who, while his father served as vice president, seemed to divide his time equally between influence-peddling and personal debaucheries. Hunter clearly only had influence and access to sell. We know now that foreign interests gave Hunter millions at a time that he admits that he was a crack addict and alcoholic — in his words, “Drinking a quart of vodka a day by yourself in a room is absolutely, completely debilitating,” as well as “smoking crack around the clock.” However, the tranche of emails raises a new and disturbing element: the possible mixing of accounts and funds between Hunter and his father. If true, President Biden could be directly implicated in ongoing investigations into his son’s money transfers and dealings. Most notable are the new emails from Eric Schwerin, his business partner at the Rosemont Seneca consultancy, referencing the payment of household bills for both Joe Biden and Hunter Biden. He also notes that he was transferring money from Joe Biden. If true, the communications indicate that some of President Biden’s personal expenses were paid out of shared accounts with Hunter, including accounts that may have been used to pay for prostitutes. Rosemont Seneca is directly involved in the alleged influence peddling schemes and questionable money transfers from Chinese and Russian sources. Schwerin also was involved in President Biden’s taxes and discussions of a book deal for the then-vice president; he popped up in the donation of Biden’s official papers to the University of Delaware, with restrictions on access. President Biden has long insisted that that his son did “nothing wrong.” That is obviously untrue. One can argue over whether Hunter committed any crime, but few would say that there is nothing wrong with raw influence peddling worth millions with foreign entities. The public has a legitimate reason to know whether the President or his family ran an influence peddling operation worth millions. Given this record, there is little reason for the public to trust what it is reading about the scandal. The media has long refused to investigate the allegations or even report on emails contradicting the President. This was most evident when social media like Twitter actually blocked postings on the laptop or its content before the election. Powerful figures then issued false statements about the scandal to the public. Committee Chairman Adam Schiff who assured the pubic that the allegations against “this whole smear on Joe Biden comes from the Kremlin.” Some 50 former intelligence officials, including Obama’s CIA directors John Brennan and Leon Panetta, also insisted the laptop story was likely the work of Russian intelligence. The laptop is now recognized as genuine. This is not the first contradiction for President Biden in his repeated denials of knowing anything about his son’s business dealings. Hunter himself contradicted his father’s repeated denial. Likewise, a key business associate of Hunter Biden, Anthony Bobulinski, confirmed the authenticity of the emails and accused Joe Biden of lying about his involvement. Bobulinski has detailed a meeting with Joe Biden in a hotel to go over the dealings. Past emails included discussions of offering access to then-Vice President Biden. They also include alleged payments to Joe Biden. In one email, there is a discussion of a proposed equity split of “20” for “H” and “10 held by H for the big guy?” Bobulinski confirmed that “H” was used for Hunter Biden and that his father was routinely called “the big guy” in these discussions. Just to make things more concerning is Hunter Biden’s recent acknowledgement that one of his laptops may have been stolen by Russian agents and was likely being used for blackmail purposes. The fact that the president’s son admitted that Russians may have intentionally seized one of his laptops during a drug binge, in order to blackmail him, raises serious potential national security concerns — especially if any of the emails include compromising information about the president direct benefiting from the very same accounts used by his son. That creates a rather nasty problem at the Justice Department. Federal regulations allow the appointment of a special counsel when it is in the public interest and an “investigation or prosecution of that person or matter by a United States Attorney’s Office or litigating Division of the Department of Justice would present a conflict of interest for the Department or other extraordinary circumstances.” I do not see direct evidence of criminal conduct by President Biden even if he lied about his past knowledge of this son’s conduct. Indeed, influence peddling is not a per se crime even for Hunter. However, one value of a Special Counsel is the expectation of a report that can address whether the family engaged in influence peddling with foreign powers and whether foreign powers may have acquired compromising material from these laptop files. In 2017, Democratic members activists were adamant that the Justice Department should carry out an investigation involving President Trump and his family.  Then-Senate Minority Leader Chuck Schumer (D-N.Y.) insisted that, without a special counsel, “every American will rightfully suspect … a coverup.” There is already a federal criminal investigation into these matters involving Hunter Biden, and the latest emails now link President Biden receiving money and benefits from related accounts as well as key players. Even if one questions a direct conflict of interest, it is hard to deny the towering appearance of a conflict in the ongoing investigation. “The Big Guy” is now president and his administration is handling an investigation that could have political as well as legal implications for him and his family. It may be time for a special counsel. Tyler Durden Thu, 10/14/2021 - 17:20.....»»

Category: smallbizSource: nytOct 14th, 2021

How to watch the NFL without cable - week 6 features big matchups between the top 4 teams in the AFC

The 2021 NFL season kicked off September 9; you can watch select games live on streaming services like Sling and Fubo TV all season long. When you buy through our links, Insider may earn an affiliate commission. Learn more. The 2021 NFL season began on September 9. Mark J. Terrill/AP Photo; Mark LoMoglio/AP Photo; Alyssa Powell/Business Insider Week six of the 2021 NFL season features matchups between all four AFC division leaders. NFL games are spread across several channels, including NFL Network, ESPN, NBC, Fox, and CBS. HD antennas and streaming services offer select NFL games without the need for a cable subscription. Table of Contents: Masthead StickyWeek six of the 2021 NFL season features a number of high profile games, including the Los Angeles Chargers against the Baltimore Ravens, and the Buffalo Bills against the Tennessee Titans. Each team is currently ranked first in their AFC division. The Dolphins and Jaguars will also play a game in London, with a CBS broadcast starting at 9:30 a.m. ET on October 17.Throughout the season, NFL games are spread across five primary channels: ESPN, NBC, Fox, CBS, and the NFL Network. Meanwhile, the next Super Bowl will be broadcast on NBC.To help ensure you get access to every game you want to watch, we broke down the ins and outs of streaming the NFL season without a cable subscription.NFL Week 6 scheduleWeek six of the NFL regular season includes a Sunday Night Football matchup between the Seattle Seahawks and Pittsburgh Steelers on NBC and Peacock. This week's Monday Night Football game will feature the Buffalo Bills and Tennessee Titans on ESPN.Primetime games are shown nationally, but local broadcasts for afternoon games are determined by your area. NFL teams with byes in week six include the Atlanta Falcons, New Orleans Saints, New York Jets, and San Francisco 49ers.GameDate and timeChannelTampa Bay Buccaneers at Philadelphia EaglesOctober 14, 8:20 p.m. ETFOX, NFL Network, Amazon PrimeMiami Dolphins at Jacksonville JaguarsOctober 17, 9:30 a.m. ETCBSKansas City Chiefs at Washington Football TeamOctober 17, 1 p.m. ETCBSLos Angeles Rams at New York GiantsOctober 17, 1 p.m. ETFOXHouston Texans at Indianapolis ColtsOctober 17, 1 p.m. ETCBSCincinnati Bengals at Detroit LionsOctober 17, 1 p.m. ETFOXGreen Bay Packers at Chicago BearsOctober 17, 1 p.m. ETFOXLos Angeles Chargers at Baltimore RavensOctober 17, 1 p.m. ETCBSMinnesota Vikings at Carolina PanthersOctober 17, 1 p.m. ETFOXArizona Cardinals at Cleveland BrownsOctober 17, 4:05 p.m. ETFOXLas Vegas Raiders at Denver BroncosOctober 17, 4:25 p.m. ETCBSDallas Cowboys at New England PatriotsOctober 17, 4:25 p.m. ETCBSSeattle Seahawks at Pittsburgh SteelersOctober 17, 8:20 p.m. ETNBC, Peacock PremiumBuffalo Bills at Tennessee TitansOctober 18, 8:15 p.m. ETESPNHow to watch NFL games without cableYou can access select NFL games without a cable subscription via streaming services like Hulu + Live TV, Sling TV, FuboTV, YouTube TV, Paramount Plus, Amazon Prime Video, Peacock Premium, and NFL Sunday Ticket. You can also watch local NFL games with an HDTV antenna.The 2021 NFL regular season began on September 9. During the regular season, Sunday afternoon games with an NFC home team will typically air on Fox, and Sunday afternoon games with an AFC home team will typically air on CBS.Meanwhile, Sunday Night Football airs on NBC, and Thursday Night Football will broadcast on NFL Network all season long. Select Thursday Night Football games will also be shown on Fox and streamed via Amazon Prime and Twitch. Finally, Monday Night Football is on ESPN. Additionally, you can stream all your local in-market games on your mobile device for free using the Yahoo Sports app or the NFL app.Here's a full roundup of all the services you can use to stream NFL games without cable. HDTV Antenna Amazon You can purchase an antenna, like this 1 By One model, to add to your TV for about $24, giving you access to local channels within a certain distance. What you get:Hooking up an HD antenna to your TV gives you access to local over-the-air (OTA) signals in your location. This means that you will be able to access the local affiliates of major broadcast networks, like Fox, CBS, and NBC.This lets you watch all the regional games broadcast from wherever you're located. You also get the Sunday Night Football matchup that airs on NBC. Because it's only a one-time payment, this is a great option if you're solely interested in watching the team in your area. However, you will not get access to any out-of-market games or games that air on ESPN or the NFL Network. Sling TV Alyssa Powell/Business Insider If you're looking for a live TV streaming service to watch football, Sling TV is a great budget option that gives you most of the channels you need at a cheaper price than Hulu or FuboTV.There are three different plans, depending on what channels you prioritize. Sling Orange and Sling Blue each cost $35 a month, while the combined Sling Orange + Blue plan costs $50 per month. Additionally, you can purchase the Sports Extra package to add NFL RedZone to your plan for $11 per month.What you get:Sling Orange has ESPN, while Sling Blue has Fox and NBC in select markets as well as the NFL network. CBS is not currently offered by Sling. While there is a Sports Extra package, it does not include any channels that air live NFL games. Your best bet to get access to the most NFL games via Sling is to sign up for the Sling Orange + Blue plan and cash in on Sling's current promotional offer of a free antenna for local channels. The free antenna requires that you prepay for two months of the Sling service. Plus, if you want RedZone you can add the Sports Extra package to the Orange + Blue Plan for a total of $61 a month.If you don't want it all, you can just sign up for Sling Blue to gain access to Sunday afternoon games on Fox and Sunday Night Football games on NBC, or just Sling Orange to gain access to Monday Night games on ESPN, in addition to the local offerings included with the antenna. As with all streaming services, game availability is subject to blackouts.With Sling's channel listings, add-ons, and the fact that they provide a free antenna, you can gain access to all local channels, the NFL Network, ESPN, and NFL RedZone, making it one of the most cost-effective ways to watch the NFL without cable. TV (small) Hulu with Live TV Business Insider In addition to all of its other offerings, Hulu + Live TV has nearly everything you need to stream NFL games for $65 per month. However, like Sling TV, there's no option to add the NFL Network or NFL RedZone as a channel, which could be a deal-breaker if you're hoping to watch and monitor action across the league.What you get: Like an HD antenna, Hulu + Live TV gets you access to all the local affiliates of the major broadcasts, meaning Fox, CBS, and NBC. These will show the games that are within your regional broadcast map with the exception of any blackouts. In addition, you also get ESPN, which gives you access to all Monday Night Football games, and some of the best NFL coverage and analysis on TV. While you don't get access to watch out-of-network games from across the country like you do with NFL RedZone or NFL Sunday Ticket, this is a comprehensive way to tune into most locally and nationally televised games. Hulu does not offer a way to watch the first three regular Thursday Night Football games, however, since those will be aired on NFL Network.  FuboTV FuboTV At $65 a month for the Starter Plan, FuboTV is one of the most comprehensive yet expensive live streaming options for NFL football. You can also spend an extra $11 per month to add the Sports Plus with NFL RedZone package.What you get:In terms of NFL games, the Starter Plan includes access to local CBS, NBC, and Fox stations (regional availability and blackout restrictions apply). FuboTV's Starter Plan also grants you access to ESPN to watch Monday Night Football, and NFL Network to stream Thursday Night Football all season long.  YouTube TV YouTube With a base price of $65 a month, YouTube TV is another service that offers access to most NFL games. Additionally, the service announced an agreement with the NFL to offer NFL Redzone as an add-on included in their Sports Plus package for an additional $11 a month. What you get:Like other services at this price range, YouTube TV offers access to all the local channels you need to watch NFL games, including CBS, Fox, and NBC. YouTube TV also offers ESPN and NFL Network in their base package, so you'll be able to watch all Monday Night Football and Thursday Night Football games. And with the news of the new Sports Plus package, you can also watch NFL Redzone for an additional $11 per month. NFL Sunday Ticket REUTERS/Carlo Allegri NFL Sunday Ticket used to only be available with a cable subscription, but NFL fans in non-DirecTV markets anywhere in the country can now gain access to every Sunday afternoon game.There are two separate plans available: The NFL Sunday Ticket To Go plan costs $73.49 per month for four months, which is $293.96 total. There is also the NFL Sunday Ticket Max plan for $99 per month for four months, adding up to $396 total.What you get:Both plans give you access to all out-of-market Sunday afternoon games. This means that you do not get access to Thursday, Sunday, or Monday night games. You also won't be able to stream locally televised games with only an NFL Sunday Ticket subscription. However, this is the only way for people hoping to watch full live games of their favorite teams out of market. A fun feature included in both plans is that you can watch four games at once on your screen.In addition to the normal features, NFL Sunday Ticket Max adds in NFL RedZone and the DirecTV Fantasy Zone, which is a new channel solely dedicated watching games through the lens of fantasy football.  Paramount Plus CBS If you're just interested in watching locally televised AFC home games, then a Paramount Plus subscription could be all you need. The service lets you stream live CBS television, as well as a growing library of on-demand shows and exclusive titles. Paramount Plus is available for $5 a month with commercials or $10 a month with ad-free streaming. With that said, all live broadcasts, including NFL games, still feature commercials with the ad-free plan.What you get:Paramount Plus offers live streaming for every NFL game that airs on the regular CBS channel in your local market. However, since Paramount Plus only offers CBS content you won't be able to watch any games that air on other networks or any out of market matches. You can see a full schedule of NFL games set to air on CBS here.Essential Monthly Plan (ad-supported) (small)Premium Monthly Plan (ad-free) (small) Peacock Premium Peacock Peacock won't be streaming any exclusive games during the 2021 season, but Premium subscribers can stream all the NFL games being broadcast on NBC.What you get:For $5 a month, Peacock Premium will give you streaming access to NBC's Sunday Night Football games, as well as Super Bowl LVI, the Thanksgiving game between the Buffalo Bills and New Orleans Saints, and the 2021 kick-off game between the Dallas Cowboys and Tampa Bay Buccaneers.The NFL's flex scheduling gives NBC the option to change the Sunday Night Football game of the week, which typically guarantees that the primetime game will be one of the week's best matchups.Premium (Monthly Plan) (small) Amazon Prime Video Amazon Though yon won't get local channels, NFL Network, or in-depth analysis, Amazon Prime Video members can watch select Thursday Night Football games with their subscription for no additional cost. A standalone Amazon Prime Video membership costs $9 a month, and the service is included as part of an Amazon Prime subscription for $119 per year or $13 a month.What you get:Amazon Prime Video will stream 11 Thursday Night Football games starting week five of the season. These game will also be broadcast on NFL Network and Fox. Since Amazon won't be streaming any additional games, Prime Video on its own is really only suitable for casual football fans who just want to stream a few games this season. Prime Video Monthly Subscription (small)Prime Monthly Subscription (small) Yahoo Sports app and NFL app Yahoo If you're only interested in watching in-market games without cable or an antenna, then you can stream live local and primetime games on a mobile device using the Yahoo Sports or NFL app. Both options are free and each app is available on iOS and Android smartphones and tablets. What you get:These apps provide live streaming for regular season local and primetime games, playoffs, and the Super Bowl. With that said, you can only watch the games on a mobile device. You'll also need to ensure that your location services are activated on your phone or tablet. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021

The 5 Best Thermometers in 2021

A reliable thermometer can accurately tell if you or your child are running a fever. We rigorously tested 10 of the top brands; here are the 5 best. Table of Contents: Masthead Sticky Every household should have an accurate digital thermometer and know how and when to use it. The CDC recommends checking your temperature before heading to work, school, or other public places. Our top pick, iProven's DMT-511, reads accurately in 1 second and can be used in-ear or on forehead. This article was medically reviewed by Benjamin Hoffman, MD, professor of pediatrics at Oregon Health and Science University. Having an accurate thermometer on hand can help tell you how severely the body is in distress - whether it's confirming that you or your baby is ill enough to need a doctor or the hospital, or if your systems are safe after being exposed to dangerous weather.A fever also one of the key symptoms of COVID-19, and many businesses, school, gyms, and other public places as you to confirm you don't have one before entering. (It's worth noting that influenza usually produces higher fevers than common colds, and not everyone with COVID19 even spikes a fever.) Luckily, getting a quick temperature reading is remarkably easy and safe these days. But the biggest variable among thermometers you can buy is really just: Is it accurate? That's why I tested 10 leading thermometers, in addition to speaking with many experts and parents on which type of home thermometer is best and other FAQs on therometers and fevers.Here are the best thermometers to check for a fever:Best thermometer overall: iProven Forehead and Ear Thermometer DMT-511Best thermometer on a budget: Vicks Comfort Flex ThermometerBest infrared non-contact thermometer: iHealth No-Touch Forehead Thermometer PT3Best thermometer for daily testing: Kinsa Quick Care Smart ThermometerBest thermometer for kids: Exergen Temporal Artery Thermometer with Smart Glow How we tested thermometers Molly Hebda/Insider I reached out to a number of pediatricians for their expert opinion on thermometers and read journal articles, "Consumer Reports," customer reviews, and even spoke with 20 parents about their temperature-taking experiences.I narrowed it down to the top 10 thermometers and tested each myself nine times over the course of three days on myself and my two kids, as well as a handful of times on my sister and two of my nieces, one of whom is an infant. I also handed off two of the infrared thermometers to Cindy Mrotek, owner of A.C.E Behavior Solutions, an essential business screening adults and children with special health care needs upon entry, for testing over the course of one week.I looked at each product's speed, size of display, mute options, memory recall, batteries, warranty options, and storage containers. I also looked hard look at:Accuracy, precision, and readability of thermometer instructions: You have to use a thermometer correctly for an accurate reading, so I evaluated the information on each product's box and inside its user manual from a health literacy perspective, including how helpful and easy to read the instructions were. Models varied, with some having a quick guide with pictures (great), information in Spanish (big bonus), or a QR code for video instructions, while others had print so tiny you need a magnifying glass to read it.  Cost and availability: Since thermometers are an essential part of an at-home health kit, they need to be affordable. Some on our list are the price of two cups of coffee, while others are upwards of $30, but we also layout how you can save money on a thermometer by using your health savings account or flex spending account.  Best thermometer overall Molly Hebda/Business Insider The iProven Forehead and Ear Thermometer DMT-511 is highly impressive with an accurate instant read in just one second, versatile use, and comprehensive instructions on quality packaging. Pros: User friendly, easy to read, nice storage pouch, precise, can be used either contactless or in-earCons: Cap to change methods difficult to snap on, no probe covers The iProven DMT-511 infrared therometer is two-in-one, as it allows you to switch from reading via an in-ear probe or a forehead setting, the latter of which is safer for infants under 3 months old.It was highly accurate in my tests, reading within 0.5-1.0 degrees again and again for forehead readings and within 0.5-0.8 degrees for ear mode. It also displays the temperature within one second.There are separate buttons for "head" and "ear," and to change from one to the other, you need to snap on or off the top cap of the thermometer, which I found a little difficult but still doable.To get an accurate ear temperature,  you have to insert and place the probe top correctly, so be sure to read the instructions thoroughly. It took me a couple of tries to feel confident taking my own temperature this way.I liked that it has a fever alarm and color temperature indication to take the guesswork out of interpreting the readings. The manual also includes a very comprehensive comparison table on how to interpret measurements based on age and method. The thermometer can also store up to 20 past readings for easy comparison. The devices comes with two AA batteries, a soft pouch for storage (great for travel and diaper bags), and cleaning instructions. It also comes with a two-year limited warranty and the option of an extended year warranty for free. Best budget thermometer Molly Hebda/Business Insider The Vicks Comfort Flex Thermometer was the most affordable of the thermometers tested, easy to use, and has a large digital screen with color-coded readings to indicate fever.Pros: Affordable, multiuse, precise, large digital display, comes with probe coversCons: Very loud beep, must turn off and on between readings, colored fever alerts misleading, coin cell battery is more annoying to replace The Vicks Comfort Flex Thermometer is easy to use right out the box: There's only one button and you have the option to use the device orally, rectally, or under the arm. Its runs on an included coin cell button battery.I found the large digital display to be the easiest to read of all the thermometers I tested. It also beeps the loudest of the group, which is especially helpful for seniors with visual and hearing impairments, but also could be a nuisance for some considering the beeping lasts a full eight seconds.The LCD screen uses a color temperature indication alongside displaying the actual number, which is generally helpful but fever isn't the same for everyone so this could be alarmist if you run hot.The precision and repeatability of the thermometer was quite good in my tests and only varied by about 0.5 degrees. Although the box says the Vicks Comfort Flex Thermometer takes 10-12 seconds to read your temperature, I found it was actually much quicker with a response time of 5 to 6 seconds orally and 6 to 7 seconds rectally. It is a little annoying that you have to turn it off and back on to take a second reading, and it is  only able to recall the last reading you took. But I did like that this model comes with 100 disposable probe covers and a protective holder, along with a one-year limited warranty and instructions in English and Spanish. Best infrared non-contact thermometer Molly Hebda/Business Insider The iHealth No-Touch Forehead Thermometer PT3 reads in just one second and makes it easy to accurately take anyone's temperature while being socially distant. Pros: Fast reading, precise, no beeping, helpful content in user manual  Cons: Vibration may be missed, prone to user error, doesn't work well for kids that won't sit stillPrior to testing the iHealth No-Touch Forehead Thermometer PT3 myself, I'd already seen it in action for pre-screening at both my dentist's office and my daughter's daycare. It seemed like a good product that offered quick readings.When I tested it myself, I found that first impression held up. Instead of a beeping alarm, the device vibrates once it has a reading, which also lights up the LED display. This is nice if you don't want a loud noise, and upon testing, I found the precision and repeatability varied only by 0.5 degrees. I also had Cindy Mrotek, whose business A.C.E Behavior Solutions screens people upon entry, try it out and she said the iHealth was a faster read compared to other infrared thermometers. However, she added it was a bit difficult to use on kids that can't sit still. I myself found the device woudn't read if it was too far away from the skin.The iHealth comes with a user manual in English and Spanish, a quick guide with pictures, two AAA batteries, and cleaning instructions. It also has a one-year limited warranty.  Best thermometer for daily testing Molly Hebda/Business Insider If you're tech-savvy and looking for a great smart thermometer, the Kinsa Quick Care Smart Thermometer can be used three ways and even allows you to contribute to public health research. Pros: Diverse way to read temps, can support multiple family members and keep temperature records separate, has great app features, contributes to public health research  Cons: Needs app to work, does not include probe covers,Every morning, I have to self-certify that my kids are free of COVID-19 symptoms before sending them off to school. A smart thermometer like the Kinsa — which stores all the readings for each individual family member on my phone and helps me monitor their baseline temperature — makes that daily routine much easier to manage.The Kinsa Quick Care Smart Thermometer connects to your smartphone via Bluetooth and uses an app, which I found easy to set up. I then created profiles for each member of my family, which includes inputting their birthdays to help the app's algorithm provide appropriate care instructions person to person. You can also add notes, symptoms, and track medication doses within the app.After each reading, the thermometer displays not only the temperature but a happy, neutral, or sad-face emoji corresponding with fever status.You can check the temperature orally, under the armpit, or rectally (they also make a separate model specific for in-ear use). Although the box says the response time is 8 seconds, I found it to read a temperature between 2 to 3 seconds when used orally. The precision varies between 0.8 and 0.5 degrees.Kinsa sits in a really unique space for both thermometers and smart equipment contributing to public health: As Hilary Brueck, Insider's Senior Health and Science reporter, has laid out, the smart thermometer has helped forecast outbreaks of both the coronavirus and the flu, including detecting fever spikes weeks before hospitals and clinics start to see an influx of patients. It's an added bonus that using this stellar, versatile, and accurate thermometer can help contribute to predicting COVID hotspots. Best thermometer for kids Molly Hebda/Business Insider The Exergen Temporal Artery Thermometer with Smart Glow was the most accurate and consistent out of all the thermometers I tested and has over 80 peer-reviewed clinical studies to back up its use on children. Pros: Most precise tested, suitable for all ages older than three monthsCons: Unintuitive, dim display, plastic cap to protect the sensor easy to lose Next to rectal thermometers, temporal artery thermometers are the most reliable way to get an accurate reading on children and babies over 3 months of age. (Use a rectal thermometer on infants under 3 months.) With the Exergen Temporal Artery Thermometer, a gentle stroke across a child's forehead captures the naturally emitted heat waves coming from the skin over the temporal artery to give a reading in 2 to 3 seconds. It can store up to eight readings. When tested repeatedly, the Exergen thermometer delivered the most consistent and precise results of any model tested on myself and my kids — within 0.3 degrees.However, unlike other models with backlight displays, the Exergen has a relatively small LCD display screen with a dim readout. It may be hard to see if you are in a dark room. However, unlike others, this thermometer wasn't as intuitive to use, despite having instructions printed directly on the back of the device, I wasn't sure if I was correctly stroking the top of the unit across the forehead. But the instruction manual had a QR code which led to videos demonstrating how to use it, which was helpful. The model comes with a 9V battery already installed, cleaning instructions, and a five-year limited product warranty.Read our guide to the best thermometers for babies and children for additional options. What else we considered Molly Hebda/Business Insider What we recommendBraun Thermoscan 7 Ear Thermometer ($60): This is a fantastic in-ear thermometer with much peer-reviewed research to back it up, and not only do we recommend it but many parents I spoke with already own it. The downsides are it takes 10 seconds to read a temp, and it's the most expensive option I tested — especially when you factor in the disposable lens filters that need replacing for accuracy and hygiene.Dr. Talbot's Infrared Forehead Thermometer, Non-Contact ($20): This device has comparable precision and speed to the iHealth and is designed for contactless reading of infants over 3 months, including adults. I liked this device and it was easy to operate, but it's more expensive than the iHealth and was difficult to change the settings using only the trigger. Kinsa Smart Ear Thermometer ($40): The Kinsa is super sleek and easy to use on yourself, which can be tricky for the ear. I also found the app to be tremendous in terms of content with very helpful instructions. Even though the readings only took a second, the precision tended to vary by 1.5 degrees.What we don't recommendCVS Health Flexible Tip Digital Thermometer ($18.50): This unit was disqualified because did not function at all. Vicks SpeedRead Digital Thermometer with Fever InSight ($10): Despite being called "SpeedRead," this device took 8 seconds to deliver a reading — slower than its cousin, the Vicks Comfort Flex, our best budget thermometer. Plus, I found the SpeedRead to have a metallic taste. What we're looking forward to tryingExergen Temporal Artery Thermometer Original ($35): We were unable to test this due to an inventory shortage at the time we were evaluating thermometers for this guide. Which type of at-home thermometer is best? Your basic digital thermometer options to choose from are: Single-use stick thermometer (marketed for rectal only) Multiuse stick thermometer (rectum, mouth, or armpit)  Tympanic thermometer (ear) Temporal artery thermometer (forehead)Tympanic and temporal thermometer (ear and forehead) Infrared non-contact thermometer (forehead)  Though there's plenty of apprehension about no-contact thermometers, a column in Ask a Pediatrician by Dr. Elizabeth Murray, an official spokesperson for the AAP, addresses those concerns directly. Murray says that "the claims about their danger are false … It is the infrared energy coming from the person that is being gathered by the thermometer, not infrared light being projected to the person."All thermometers sold in the United States must meet federal standards and are already calibrated for home use at the time of purchase.  FAQs Which type of thermometer is the most accurate?Dr. John Vann, a pediatrician in Omaha, told Insider that only a rectal temperature offers a true outpatient reading. "Everything else is an estimate," he said."Luckily, the exact number is not usually as important as how the patient looks," he adds. Which is to say, there are other indicators of how severe someone's illness or condition is other than an optimally-accurate temperature reading. There are also reliable methods for checking your temperature even if you don't have access to a thermometer.No matter if you opt for an infrared thermometer or a strictly ear-based model, it's important to know fever isn't the same for everyone and that it varies by age, gender, and time of day, among other variables. Using a thermometer at various times of the day when you're feeling well gives you an idea of what's normal for you, or your baseline temperature. Which is the best thermometer for home use?Among at-home thermometers, medical research hasn't determined an exact correlation between oral, rectal, ear, armpit, and forehead temperature measurements. But Kaiser Permanente notes that an ear (tympanic) temperature is 0.5 to 1 degree higher than an oral temperature and a forehead (temporal) scanner is usually 0.5 to 1 degree lower than an oral temperature. What is the best thermometer to use for COVID?The best thermometer for COVID is really just one that is accurate and reliable. That means any of the thermometers on our list are great for checking for COVID symptoms. That being said, if you're using the thermometer on more than one person, it's best to use a contactless reader to not cross-contaminate. In that case, we highly recommend the iHealth No-Touch Forehead Thermometer PT3 or the Exergen Temporal Artery Thermometer with Smart Glow, both of which proved to be accurate and reliable in my tests.Can I use my HSA/FSA funds to buy a thermometer?If you have an HSA or an FSA account, know that over-the-counter digital thermometers are eligible for reimbursement without a prescription. Here's how it works: If you pay with cash or credit card in a store or online, you can request a reimbursement from your HSA/FSA account. Different plans have different requirements on what's needed for reimbursement but usually, a copy of your thermometer receipt will be enough.There are HSA and FSA-specific retailers, like the HSA Store and the FSA Store that make shopping for items that qualify for reimbursement really simple. According to both websites, when shoppers use an HSA or FSA card to pay, they typically don't have to submit receipts; purchases on these websites automatically substantiate. It is worth noting, however, that the thermometer options available on these websites are limited and cost more than other retailers. What counts as a fever?Many Americans think anything over 98.6 degrees Fahrenheit is a problem, but what constitutes a fever is actually different person to person.Rik Heller, a biomedical engineer and thermographic expert, tells Insider, "Age, gender, and even time of day impact normal body temperatures." Some children's temperatures especially run higher than others, points out Dr. Jesse Hackell, a practicing pediatrician with New York-based Pomona Pediatrics. Any reading of 100.4 F or higher in a baby younger than 3 months is reason to call the pediatrician. "Another reason to call is if the fever persists for more than 24 hours in children younger than two and more than three days in a child 2 years of age or older," he said.Meanwhile, older adults tend to have lower baseline temperatures than younger adults; sometimes fevers in the elderly are completely absent.To figure out what's a fever for you, you want to find your baseline temperature (i.e., what's normal for you) by checking your temperature at various times of the day when you are feeling well. At the end of the day, how you or your child is acting and feeling is the best indicator of a fever over the number on a thermometer, multiple of our doctors say. Our expert sources Jesse Hackell MD, FAAP, chair of the American Academy of Pediatrics Committee on Practice and Ambulatory Medicine and a practicing pediatrician with New York-based Pomona Pediatrics, a division of Boston Children's Health PhysiciansJohn Vann, MD, FAAP, a pediatrician at Omaha Children's Clinic in Omaha, NebraskaDr. Jenifer Johnson, a family medicine physician and internist at Westmed Medical Group in Westchester, NYRik Heller, a biomedical engineer and thermographic expert who founded the clinical-grade thermometer company, WelloCindy Mrotek, business owner of ACE Behavior SolutionsAP News. Infrared thermometers used for COVID-19 testing do not pose risk to pineal gland. July 28, 2020Consumer Reports. Thermometer Buying Guide. September 23, 2016NASA. Ingestible Thermometer Pill Helps Athletes Beat the Heat. January 8, 2007EPA. Mercury Thermometers. June 26, 2018CDC. How COVID19 Spreads. October 5, 2020Business Insider. Coronavirus temperature scans are nothing more than pandemic security theater. In some cases, they're dangerous.Mayo Clinic. Thermometers: Understand the options. September 15, 2018HealthyChildren.org. When to Call the Pediatrician: Fever. November 21, 2015HealthyChildren.org. How to Take Your Child's Temperature. October 12, 2020HealthyChildren.org. Are Infrared Thermometers Safe? October 15, 2020New York Times. Can Smart Thermometers Track the Spread of the Coronavirus? March 18, 2020Kaiser Permanente. Fever Temperatures: Accuracy and Comparison. June 26, 2019HSA Store websiteFSA Store website Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021

Kristin Hannah"s 22 most popular books, based on Goodreads reviews

According to Goodreads, the best Kristin Hannah books include "The Nightingale," "The Great Alone," "Firefly Lane," and "The Four Winds." According to Goodreads, the best Kristin Hannah books include "The Nightingale," "The Great Alone," "Firefly Lane," and "The Four Winds." Amazon; Rachel Mendelson/Insider When you buy through our links, Insider may earn an affiliate commission. Learn more. Kristin Hannah is the bestselling author of over 20 books, most recently "The Four Winds." She writes romance books, historical fiction novels, and stories with magical twists. Goodreads members' top favorites include "The Nightingale" and "The Great Alone." Kristin Hannah is an award-winning and bestselling author perhaps best known for "The Nightingale" and "Firefly Lane," the latter of which has become a hit Netflix show. Though Hannah primarily writes moving romances with devastating twists, her more recent works have been vivid historical fiction stories that transport readers through time.To rank Kristin Hannah's best books, we turned to Goodreads members. With over 125 million users, Goodreads lets readers rate, review, and recommend their favorite novels. So whether you're a new Kristin Hannah reader wondering where to start, or a long-time fan looking for a new read, we've ranked the best Kristin Hannah books, according to Goodreads members. 'The Nightingale' Amazon "The Nightingale," available on Amazon and Bookshop, from $11.15With nearly 600,000 five-star ratings on Goodreads, "The Nightingale" is Kristin Hannah's most popular book. Set during World War II, this deeply moving novel focuses on two sisters living through the Nazi occupation of France. While 18-year-old Isabelle courageously risks her life to join the Resistance, Vianne is left at home to protect her daughter and herself as a German captain requisitions her home in her husband's absence. 'The Great Alone' Amazon "The Great Alone," available on Amazon and Bookshop, from $11.69When Ernt Allbright returns from the Vietnam war broken and volatile, he impulsively moves his family to the Alaskan wilderness, determined to live off the land amongst other fiercely independent locals. But as the brutal winter darkness sets in, the Allbright family discovers they are far less physically — and mentally — prepared than they thought. 'Firefly Lane' Amazon "Firefly Lane," available on Amazon and Bookshop, from $9.19In this powerful story about the magic of friendship, Tully and Kate became inseparable friends during the summer of 1974, forming a bond that would last a lifetime. As the decades pass, Tully and Kate act as buoys in each other's turbulent lives — until a devastating act of betrayal puts their bond to the ultimate test. 'The Four Winds' Amazon "The Four Winds," available on Amazon and Bookshop, from $14.49As the Great Depression continues to devastate Americans in the early 1930s, a ruthless drought tears through Texas, leaving families torn between fighting for their land and heading west for the chance of a better life. A portrait of the strength of American women, this historical fiction novel follows young Elsa Martinelli as she agonizes over her own choice during the Dust Bowl era, a particularly dark period of history. 'Winter Garden' Amazon "Winter Garden," available on Amazon and Bookshop, from $7.56"Winter Garden" is a novel that explores the intricacies of a mother-daughter bond through Meredith and Nina, two starkly different sisters who are brought home over their father's illness. With little connection besides old memories and their mother's disdain, the sisters finally learn the devastating truth of their mother's past, revealing more about their family and themselves than they ever knew. 'Night Road' Amazon "Night Road," available on Amazon and Bookshop, from $10.56Jude is a stay-at-home mom who always puts the needs of her children ahead of her own. So when former foster child, Lexi, enters her twins' lives, she welcomes her in and the three kids become inseparable. But when a terrible accident happens, everyone blames Lexi and she's forced to leave behind the closest thing to family she's ever known. Years later, Lexi returns to face Jude, the past, and the night that changed their lives forever. 'Fly Away' Amazon "Fly Away," available on Amazon and Bookshop, from $10.67"Fly Away" is the touching sequel to "Firefly Lane" and while it can be read as a standalone novel, it's recommended to read "Firefly Lane" first to truly understand the depth of heartbreak in this book. As Kate struggles against her battle with breast cancer, her best friend, Tully, promises to be there for her children in any way she can. As Tully and Kate's family reel from grief, Tully struggles to keep Kate's daughters safe and come to terms with her own past in this story about forgiveness and redemption. 'Magic Hour' Amazon "Magic Hour," available on Amazon and Bookshop, from $10.26After a sudden tragedy ruined her career as a child psychiatrist, Dr. Julia Cates returned to her hometown to quietly recover. When she meets a peculiar six-year-old girl who seems to have emerged from the nearby woods, Julia dedicates herself to saving the child — even if it means asking for help. 'Home Front' Amazon "Home Front," available on Amazon and Bookshop, from $10.89Defense attorney Michael and soldier Jolene have been married for 12 years and are already struggling through everyday life when Jolene is sent on a dangerous deployment and Michael is left caring for their daughters back home. In this story of love, loss, war, and duty, Jolene tries to quell her family's fears from the other side of the world until tragedy strikes and leaves Michael living his worst nightmare. 'True Colors' Amazon "True Colors," available on Amazon and Bookshop, from $8.39"True Colors" is a heartfelt family story that follows the Grey sisters, whose bond strengthened as they leaned on each other when their mother passed away. After a devastating event threatens to tear their sisterhood apart, the girls must fight through the tension to forgive each other in this compelling and emotional story loved for its romantic and dramatic elements. 'Between Sisters' Amazon "Between Sisters," available on Amazon and Bookshop, from $8.49When Meg was 16 and Claire was nine, a misunderstanding led the sisters to an estrangement that it seemed would last a lifetime. But as Claire's wedding day quickly approaches, Meg decides to take time off from her successful law career to help Claire and try to reignite their bond, hoping to become the family they always wanted. 'On Mystic Lake' Amazon "On Mystic Lake," available on Amazon and Bookshop, from $10.19When Annie Colwater's husband tells her that he's in love with a younger woman, she returns to her hometown to heal and is reunited with her first love, Nick Delacrox. As Nick recovers from his own loss and tries to help his daughter do the same, the three find comfort in each other — until a shocking twist forces Annie to make an impossible choice. 'Summer Island' Amazon "Summer Island," available on Amazon and Bookshop, from $7.35Ruby hasn't spoken to her famous talk show-host mother in more than a decade, resentful after Nora chose to walk out of their home, leaving her husband and daughters behind. So when a shocking scandal from Nora's past is exposed, Ruby is offered a small fortune to write a tell-all book. Returning to her family home, Ruby confronts her mother's past and her own in this exhilarating Kristin Hannah read. 'The Things We Do for Love' Amazon "The Things We Do for Love," available on Amazon and Bookshop, from $8.27Angela DeSaria Malone thought her life would unfold perfectly just as it had for her sisters and cousins: High school, college, marriage, motherhood. But when Angela and her husband divorce after she repeatedly fails to get pregnant, she moves back to her hometown and meets a teenage girl who will change her life forever. 'Angel Falls' Amazon "Angel Falls," available on Amazon and Bookshop, from $5.98"Angel Falls" is an inspirational romance novel about Liam Campbell, who sits at his wife's bedside every day despite the doctor's warning that she may never wake from her coma. When Liam discovers a painful secret from his wife's past — a previous marriage — he knows he must solicit the help of her ex-husband in the desperate hope for her recovery. 'Distant Shores' Amazon "Distant Shores," available on Amazon and Bookshop, from $8.99Elizabeth and Jackson Shore appeared to live a beautiful and happy life but when their daughters leave home, the couple finds themselves slowly drifting apart. When Jack gets an amazing job opportunity, Elizabeth decides to follow him — until a horrible tragedy forces her to question everything about her life and decide who she wants to be. 'Home Again' Amazon "Home Again," available on Amazon and Bookshop, from $8.99Dr. Madeline Hillyard is a famous heart surgeon whose teenage daughter feels more like a stranger to her every day: Angry, resentful, and desperate to find the father that abandoned her so many years ago. When her father, Angel DeMarco, comes back into their lives despite his devastating betrayal, it's in search of help as a patient. 'Comfort & Joy' Amazon "Comfort & Joy," available on Amazon and Bookshop, from $10.36In this holiday-themed story, Joy Candellaro is struggling to find her Christmas spirit after her divorce and spontaneously buys a ticket to the Pacific Northwest, hoping for an adventure that will reignite her enthusiasm for life. In a small town, Joy meets six-year-old Bobby who, along with his father, is struggling to celebrate the holidays after losing his mom. Together, Joy, Bobby, and Daniel help each other heal and find the courage to believe in love and family once again.  'If You Believe' Amazon "If You Believe," available on Amazon and Bookshop, from $8.27"If You Believe" is a demonstration of the emotional intensity Kristin Hannah is able to convey in a novel. When professional fighter Mad Dog Stone answers an ad to live and help on an apple farm before his next fight, he meets Mariah Throckmorton, self-exiled and hiding from a scandalous past. Against all odds, the two begin to fall for each other. As they confront their pasts, they must decide if they should stay in each other's lives or let their love fade with the season.  'Waiting for the Moon' Amazon "Waiting for the Moon," available on Amazon and Bookshop, from $7.69Selena can't remember who she is or how she came to be in a beautiful mansion on the Maine coast, but she finds comfort in a strange physician-turned-recluse she meets nearby. Ian Carrick is haunted by a telepathic gift that destroyed his career but when he meets Selena, he finds she's the only one whose thoughts he can't hear. Selena and Ian bring light into each other's dark lives and help each other heal, even as a figure from the past threatens to end their fantasy romance. 'Once in Every Life' Amazon "Once in Every Life," available on Amazon and Bookshop, from $7.99When brilliant research scientist Tess Gregory suddenly dies before she can fulfill her longings for a husband and child, an angel allows her to choose the life into which she'd be reincarnated. Waking in a hospital bed, Tess finds herself in the body of a post-Civil War woman with a husband, children, and plenty of family and marital problems that she must conquer if she wants to find her magical love story after all. 'When Lightning Strikes' Amazon "When Lightning Strikes," available on Amazon and Bookshop, from $8.99In this time-travel romance, Alaina Costanza, a romance writer, is thrust straight into the wild west of her most recent novel during a peculiar storm. When she's kidnapped by her own character, the handsome outlaw Killian, the two fall into a whirlwind romance that they know must end if Alaina has any chance of reaching her child, left behind in the present. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021

REBNY partners with CoStar to launch ‘gamechanging’ new RLS

The Real Estate Board of New York (REBNY) is partnering with Homesnap to create the first-ever, consumer-facing search website and mobile app for its Residential Listing Service (RLS). Called Citysnap, REBNY says it will include the most complete inventory of residential real estate listings in New York City when launched... The post REBNY partners with CoStar to launch ‘gamechanging’ new RLS appeared first on Real Estate Weekly. The Real Estate Board of New York (REBNY) is partnering with Homesnap to create the first-ever, consumer-facing search website and mobile app for its Residential Listing Service (RLS). Called Citysnap, REBNY says it will include the most complete inventory of residential real estate listings in New York City when launched in Q2 of 2022. The service will create the city’s first direct challenge to the ubiquitous StreetEasy, owned by Zillow, which has corned the market so far in New York but irked brokers with fees and agent promotion deals. “The creation of Citysnap is a major inflection point for the New York City real estate industry. For the first time ever, agents will have the full power of the RLS in the palm of their hands and consumers will have a single source of truth they can rely on when searching for a new home. It will be the ultimate gamechanger,” said Richard Ferrari, president & CEO of Brokerage, NYC and Northeast Region at Douglas Elliman. In partnership with REBNY, Homesnap, a CoStar Group company, will provide a custom version of its national search portal specifically for New York City and exclusively feature data from REBNY’s RLS. Citysnap will provide real-time residential listing data to brokers, agents, building owners, property managers and consumers. All leads will go to the listing broker or agent — with no additional cost or daily listing fee. Spearheaded by REBNY’s RLS Board of Directors Co-Chairs, John Wollberg and Clelia Warburg Peters, the partnership will provide 12,000-plus New York City real estate professionals who are participating members of the RLS at REBNY with free access to Citysnap Pro, a professional version of Homesnap’s agent-only productivity mobile app. PAM LIEBMAN “As a community, the real estate industry has worked together to create a tech-friendly solution that will give consumers the same real-time access to residential listings as agents. From its inception, the RLS was conceived as a tool to improve the home-searching process for agents, renters and buyers alike. The creation of Citysnap will take that vision to the next level,” said Pamela Liebman, president & CEO of The Corcoran Group. “The Citysnap portal features the type of transparent real estate information New York City buyers, sellers, renters and agents are craving right now. Through this incredibly valuable platform, data integrity will no longer be an issue when it comes to searching for properties in the five boroughs,” said Bess Freedman, CEO of Brown Harris Stevens. “The public portal for New York City’s RLS will improve access to listings for consumers and empower agents to grow their businesses,” said Rory Golod, President of Compass Tri-State. “We are very excited to deliver this innovative solution and the positive impact it will have on the New York real estate community.” JAMES WHELAN  “New York City is the most dynamic and complex real estate market in the world. Our partnership with Homesnap underscores our commitment to providing our community with the robust tech solutions needed to close the real estate transactions that drive our local economy,” said REBNY President, James Whelan. “This extraordinary effort – driven by the industry, for the industry – represents a significant upgrade in both technology support for the industry and in transparency and accuracy of listing data that consumers and the entire residential real estate community can trust and adopt. We are excited to hit this significant milestone and we thank our members for their incredible involvement and thoughtfulness throughout this process.”  “CoStar Group believes that agents deserve to capture the value of their listings and that consumers should have access to complete, transparent and accurate information. We have a track record of building successful products for the real estate industry, and we are committed to investing the resources needed to make Citysnap successful in the New York City market,” said CoStar Group Founder and Chief Executive Officer Andy Florance. “REBNY spent years searching for the right technology partner to help it develop the right product for its members, and we are proud to be creating that product for New York City’s brokers, agents and consumers and to arm New York City with the most comprehensive, accurate and user-friendly home search platform for the area.”  REBNY’s RLS includes an average of more than 40,000 active listings from nearly 600 brokerage firms and property owners, representing a total of $50 billion worth of residential real estate in New York City. The RLS provides the infrastructure that allows brokers to share residential property listing data with other brokerage firms and a network of third-party websites and products so consumers can find new homes. The RLS provides up-to-date listing information available in the five boroughs because it comes directly from brokerages and property owners and is centralized through a single feed.  Launched in 2012, Homesnap combines people, property and data with enterprise-grade software for real estate professionals to run and grow their business. Homesnap features listings from over 240 MLSs throughout the country and is the public-facing brand of the Broker Public Portal, the collaborative nationwide venture between real estate brokerages and MLSs to provide a national home search experience that connects home searchers directly with the listing agent and delivers leads for free. The post REBNY partners with CoStar to launch ‘gamechanging’ new RLS appeared first on Real Estate Weekly......»»

Category: realestateSource: realestateweeklyOct 14th, 2021

AIMA And ITN – Holding Strong: Alternative Investments In A Volatile Market

The Alternative Investment Management Association premieres a new programme in partnership with ITN Productions – Holding Strong: Alternative Investments in a Volatile Market Q3 2021 hedge fund letters, conferences and more Holding Strong: Raising Awareness Of Alternative Investments The Alternative Investment Management Association (AIMA) and ITN Productions are collaborating to raise awareness of alternative investments […] The Alternative Investment Management Association premieres a new programme in partnership with ITN Productions – Holding Strong: Alternative Investments in a Volatile Market if (typeof jQuery == 'undefined') { document.write(''); } .first{clear:both;margin-left:0}.one-third{width:31.034482758621%;float:left;margin-left:3.448275862069%}.two-thirds{width:65.51724137931%;float:left}form.ebook-styles .af-element input{border:0;border-radius:0;padding:8px}form.ebook-styles .af-element{width:220px;float:left}form.ebook-styles .af-element.buttonContainer{width:115px;float:left;margin-left: 6px;}form.ebook-styles .af-element.buttonContainer input.submit{width:115px;padding:10px 6px 8px;text-transform:uppercase;border-radius:0;border:0;font-size:15px}form.ebook-styles .af-body.af-standards input.submit{width:115px}form.ebook-styles .af-element.privacyPolicy{width:100%;font-size:12px;margin:10px auto 0}form.ebook-styles .af-element.privacyPolicy p{font-size:11px;margin-bottom:0}form.ebook-styles .af-body input.text{height:40px;padding:2px 10px !important} form.ebook-styles .error, form.ebook-styles #error { color:#d00; } form.ebook-styles .formfields h1, form.ebook-styles .formfields #mg-logo, form.ebook-styles .formfields #mg-footer { display: none; } form.ebook-styles .formfields { font-size: 12px; } form.ebook-styles .formfields p { margin: 4px 0; } Get The Full Walter Schloss Series in PDF Get the entire 10-part series on Walter Schloss in PDF. Save it to your desktop, read it on your tablet, or email to your colleagues. (function($) {window.fnames = new Array(); window.ftypes = new Array();fnames[0]='EMAIL';ftypes[0]='email';}(jQuery));var $mcj = jQuery.noConflict(true); Q3 2021 hedge fund letters, conferences and more Holding Strong: Raising Awareness Of Alternative Investments The Alternative Investment Management Association (AIMA) and ITN Productions are collaborating to raise awareness of alternative investments and the latest sector innovations that are benefitting investors, markets and supporting the global economic recovery. In the face of unprecedented global disruption arising from the Coronavirus pandemic, assets under management for the alternative investment industry continues to break new records with funds under management standing at US$15 trillion globally; approximately 15% of the world’s asset management industry. Hedge funds are the face of alternative investments in public markets. The 12 months after the initial period of COVID-fuelled market disruption saw the industry report solid returns with leading hedge fund indices up over 32%[1]. Strong performance has continued into this year with the industry up 13% as of the end of August [2]. This performance has not gone unnoticed by investors who are reinforcing their interest in alternative investments, investing in both public and private markets as they seek diversification away from low-interest rate bonds and high-value equities. Anchored by ITN productions, ‘Holding Strong – Alternative Investments in a Volatile Market’ shows how the alternatives investment industry is growing in influence, highlighting its increasing value to investors, markets and the global economy. ITN presenter Belle Donati is joined by Jack Inglis CEO of AIMA, the global representative for the alternative investment industry, to discuss how the alternative investment industry benefits investors and supports the global economy, where he sees the industry heading as well as AIMA’s quest to educate the broader industry on the importance of alternative investments. Produced in a news-style format featuring interviews with industry leaders, the programme features a series of sponsored editorial profiles filmed on location with AIMA’s global members and partners, including some of the most prominent names across the alternatives investment sector. [The full, hour-long programme was premiered as part of the AIMA Global Investor Forum on 13 October 2021. The interview with AIMA’s CEO, an educational animation, and the editorial profiles can all be viewed separately and on-demand at AIMA.org] The Programme's Themes Among the many themes this programme explores includes the rise of responsible investing, which is examined from several angles. Apex Group quantifies how the ESG market continues to mature and become more defined, while abrdn explains how it’s investing responsibly in real assets to deliver positive outcomes that benefit its clients, society and the wider world. Taking a global viewpoint, Reed Smith examines how the pandemic has accelerated the global focus on sustainability, and Esmo Asset Management highlights the complexities of apply ESG in emerging markets where each country and region is uniquely vulnerable to E, S and G factors. Complementing these discussions, haysmacintye addresses how the industry is fostering diversity and inclusion to attract the next generation of talent. Elsewhere, Man Group CEO Luke Ellis talks about the group’s growth and resilience during what he described as a “challenging environment” in 2020. We find out where this resilience comes from and how it is manifesting across the industry. In a similar vein, Citco offers an insight into the technologies that are driving the alternative investment industry forward, making it more transparent and accessible, while Securis Investment Partners details the latest innovations in the insurance-linked securities market in recent years. Jack Inglis, CEO of AIMA, said: “The alternative investment industry has doubled in size over the past 10 years with most projections stating it will grow further in size and influence. The benefits of investing in alternatives are increasingly clear across the world, providing investors with much-needed diversity in their investment options, benefitting them and the global economy. We’re delighted to be able to work with ITN productions to highlight the benefits of the alternative investment industry and showcase its crucial role in protecting savers and financing the economy Tom Kehoe, global head of research and communications at AIMA, added: “It has been a real pleasure to work with ITN productions on this programme. AIMA is the global representative of the alternatives investment industry, and I am very pleased that we are been a part of this coproduction to share real-life examples as to how the industry continues to grow in influence making a positive impact at a local and global level. Many thanks to all the programme’s participants who shared their stories with us.” Nina Harrison-Bell, head of ITN Productions Industry News, said: “We’re delighted to be producing a programme that raises awareness of alternative investments, de-mystifies the myth that alternative investments are exclusive to the mega-rich and recognises the sector’s role in aiding economic recovery.” To view the full programme click here. Updated on Oct 14, 2021, 1:34 pm (function() { var sc = document.createElement("script"); sc.type = "text/javascript"; sc.async = true;sc.src = "//mixi.media/data/js/95481.js"; sc.charset = "utf-8";var s = document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(sc, s); }()); window._F20 = window._F20 || []; _F20.push({container: 'F20WidgetContainer', placement: '', count: 3}); _F20.push({finish: true});.....»»

Category: blogSource: valuewalkOct 14th, 2021

Report paints bright picture for construction spending, even better if Biden infrastructure bill passes

Following the steep drops in building activity across New York City in 2020, the next three years are expected to see a resurgence in spending and job creation as the industry continues to advocate for increased public investment. The New York Building Congress’ New York City Construction Outlook 2021-2023 released today forecasts spending... The post Report paints bright picture for construction spending, even better if Biden infrastructure bill passes appeared first on Real Estate Weekly. Following the steep drops in building activity across New York City in 2020, the next three years are expected to see a resurgence in spending and job creation as the industry continues to advocate for increased public investment. The New York Building Congress’ New York City Construction Outlook 2021-2023 released today forecasts spending to increase to $60.6 billion in 2021, up 26 percent from 2020, when non-essential construction was shut down for 11 weeks. The report was released today at the annual Building Congress Construction Industry Breakfast, at which Governor Hochul delivered the keynote address. GOV. CATHY HOCHUL “Each year I travel to every county in New York State, and I see how infrastructure is not just an abstract concept but an integral part of every New Yorker’s life,” said Governor Hochul. “As Governor, I will pursue an ambitious agenda that brings our infrastructure into the 21st century – because it’s in our DNA as New Yorkers to dream big and tackle the impossible. We can’t get that done without strong public-private sector partnerships like with the New York Building Congress, and I look forward to continue working together to build New York’s future.” “Despite the economic impact that COVID-19 has had on New York City since the start of the pandemic, the building industry proves its strength time and time again, as spending and job creation continue on an upward trend from 2020,” said Carlo A. Scissura, President & CEO of the New York Building Congress. “With a long road to economic recovery ahead, the ever-present threats of climate change and infrastructure that’s crumbling, we need meaningful, immediate support from Washington. Investments in the infrastructure are investments in a stable and vibrant city, state and nation.” “Over the last year and a half, the building industry once again demonstrated its dedication to New York City and the amazing people who live here,” said Elizabeth Velez, Chair of the New York Building Congress and President of Velez Organization. “The Construction Outlook report released by the New York Building Congress today shows our industry is ready to lead the way out of the economic crisis brought about by this awful pandemic. In the process, I know we will continue to diversify our own ranks, innovate to meet 21st-Century demands and realities and build a fairer city that works for everyone.” CHERYL McKISSACK DANIEL “No matter what you throw at New York City, we are able to withstand it and come back stronger,” said Cheryl McKissack Daniel, Chair of the New York Building Foundation and President & CEO of McKissack & McKissack. “The New York City Construction Outlook 2021-2023 report is further proof of the building industry’s strength in times of crisis. This should underscore why we need more investment in our infrastructure, as it is one of the best ways to improve our society.” “The essential role of the construction industry to the health and vitality of our communities could not be more clear than in this Construction Outlook report,” said the City of New York’s Senior Advisor for Recovery Lorraine Grillo. “The anticipated robust growth and trajectory for investments in construction jobs, new construction, and our public infrastructure reaffirm the importance of the work by resilient New Yorkers represented by the New York Building Congress in realizing a recovery for all of us.” “It’s clear that confidence in New York City’s construction and real estate industries remains high, and for good reason,” said Gary LaBarbera, President of the Building and Construction Trades Council of Greater New York. “Time and again, it’s been major infrastructure and public works projects that have stimulated economic activity that leads to recovery, and as always, our members are ready to get to work to build back New York stronger and more resilient than ever. It’s critical that we sustain this upward trend in construction activity with the successful passage of the Bipartisan Infrastructure Framework, which will invest in New York’s future and create tens of thousands of middle-class careers with benefits in the process.” “Real estate and construction represent 10 percent of the city’s GDP and is the fastest way of creating the jobs to rebuild the city’s economy,” said Louis J. Coletti, President and CEO of the Building Trades Employers Association. “As New York builds and rebuilds over the coming years, AIA New York will work with its partners in the building industry to advocate for higher standards of design excellence for public and private projects,” said Benjamin Prosky, Executive Director American Institute of Architects New York (AIANY) Center For Architecture. ”From ambitious designs that enhance public infrastructure to increasing quality affordable housing, modernizing schools, and fostering advancements in energy efficient technology, architects recognize that this is a pivotal  moment for the design, construction, and development community to shape an NYC that is beautiful, efficient and equitable for all.” The data and projections in this report were generated without the once-in-a-generation federal infrastructure bill that is being discussed in the House of Representatives, which would have a massive economic impact on New York City and the entire country. If the $1.2 trillion plan was to pass, it would expedite construction of the Gateway Program– a long-delayed but nationally crucial infrastructure project that could potentially generate $19 billion in economic activity. The Construction Outlook report provides a three-year analysis and forecast of construction spending and employment in New York, while also providing deeper insight into the factors that could shape the industry and the city’s economy in the coming years. The New York Building Congress for the first time also adjusted its projections for inflation, giving a fuller picture of how spending compares historically. The latest report forecasts the second-highest spending period in real dollars, and the fourth highest when adjusted for inflation. Key insights from the report include: ●      Construction Employment to Increase: The industry will likely add 135,000 new jobs to the economy in 2021, but employment will remain at the lowest point since 2014. Employment will likely continue on an upward trend in the coming years, with 140,200 jobs in 2022 and 157,100 jobs in 2023. ●      Overall Spending: Construction spending is expected to total $174.1 billion between 2021 and 2023. Compared to the pre-COVID-19 period of 2017 to 2019, when building was at a high point, spending is forecasted to decrease by just $1.5 billion. When adjusted for inflation, however, the drop is a significantly higher $38.2 billion.   ●      Government Spending: Government spending is up from 2020 – when $21.3 billion was invested by New York City, New York State and major agencies – but will decline in the forecasted period from $23.1 billion in 2021 to $22.2 billion in 2022 and then to $21.1 billion in 2023. While government spending is expected to be higher over this period when compared to 2017 to 2019, public investments is lower now than during the height of the Great Recession when adjusted for inflation. This decline is especially significant given the need for government spending to spur economic recovery. ●      Residential Construction Spending: The Building Congress forecasts $13.6 billion in residential construction spending this year, up 21 percent from 2020. Over three years, spending is expected to total $36.6 billion, which is down 33 percent from 2017 to 2019.   ●      Non-Residential Construction Spending: Non-residential construction spending, which includes office space, education, healthcare, public buildings, sports & entertainment venues and hotels, is projected to total $23.7 billion in 2021, dip to $22.2 billion in 2022 and rise to $25 billion in 2023. ●      Public Transit Spending: The MTA will spend 33 percent more on construction projects over the next three years than the pre-COVID period from 2017 to 2019. When adjusted for inflation, however, this is a more modest increase of 7 percent. The post Report paints bright picture for construction spending, even better if Biden infrastructure bill passes appeared first on Real Estate Weekly......»»

Category: realestateSource: realestateweeklyOct 14th, 2021

Bernie Sanders slams the "corporate elite" like Jeff Bezos and Elon Musk, who "love the idea" of paying less in taxes

Sen. Sanders called out lobbyists for stalling Democrats' social-spending bill so that billionaires wouldn't pay their fair share in taxes. Sen. Bernie Sanders. Joshua Lott/Getty Images Sen. Bernie Sanders called out billionaires and lobbyists for stalling Democrats' social-spending bill. He wrote in an op-ed that people like Elon Musk and Jeff Bezos "love" paying less in taxes. The bill would raise the corporate tax rate and lower drug prices for Americans, which the wealthy and Big Pharma oppose. Vermont Sen. Bernie Sanders isn't holding back his thoughts on why Democrats still haven't come to an agreement on their $3.5 trillion social-spending bill. In a recent opinion piece, he unleashed on lobbyists and billionaires who oppose the spending."The corporate elite seem to love the idea that billionaires have a lower effective tax rate than nurses or teachers and that, in a given year, there are dozens of profitable corporations that don't pay a nickel in federal income tax," Sanders wrote in an op-ed for Fox News.Sanders has also recently criticized centrist Democratic Sens. Joe Manchin and Kyrsten Sinema's opposition to the price tag of President Joe Biden's $3.5 trillion social-spending package, which includes measures like affordable childcare and free community college. He's held several press conferences, venting his frustration at the slow movement of a bill he shepherded as chairman of the budget committee. His Wednesday op-ed called for "Democratic unity," but he wasn't vague on indicating who he thinks is to blame for the stalling of the package.Sanders referenced Tesla CEO Elon Musk and Amazon CEO Jeff Bezos as owning more wealth than the entire bottom 40% of the US population and wrote they, along with other billionaires, are "vigorously opposed" to the Democrats' legislation that would raise the corporate tax rate and hold the wealthiest people accountable for paying their fair share in taxes. He also called out lobbyists from the pharmaceutical industry, private health insurance companies, and the fossil fuel industry for persuading some lawmakers to oppose the passage of the bill. Insider reported last week that Sanders accused Manchin and Sinema of selling Biden's agenda out to Big Pharma, saying during a press briefing to "take a hard look" at the lawmakers' campaign-finance reports."See where they get their money, how many of them get their money from the pharmaceutical industry, and the executives there," Sanders said. "And I think there will be a direct correlation."Democrats are in the process of negotiating what will make it into the final version of their social-spending bill, and given Manchin and Sinema's stance they will not support a $3.5 trillion price tag, measures will have to be cut. Insider's Joseph Zeballos-Roig reported on what those measures could be: free community college, child tax credits, affordable housing, and more. But Sanders has remained adamant that Democrats should not cave to what two members of the party want, putting measures like free community college and lower prescription drug prices at stake."Will all Democrats stand together to protect the interests of the elderly, the children, the sick and the poor? Will all Democrats stand together to take on the greed of the pharmaceutical industry, the health insurance companies, the fossil fuel industry, and wealthy campaign contributors?" Sanders wrote. "I certainly hope so." Read the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 14th, 2021