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What is an SVG file? How to open or convert the image file format

SVG is short for Scalable Vector Graphics, a resolution-independent file format for images like logos and diagrams. A position held as a result of a momentum investing strategy is usually held for a period of three to 12 months.Hispanolistic/Getty SVG is short for Scalable Vector Graphics, a resolution-independent file format for images. This file format is frequently used for line art like logos and diagrams.  You can view an SVG file in any web browser, edit it in Adobe Illustrator, or convert it to another file format in Adobe Photoshop. SVG is an acronym for a Scalable Vector Graphics file, commonly used in graphics programs like Adobe Photoshop and Adobe Illustrator. It's considered a resolution-independent file format, because you can scale the image up to any size without losing image quality. You can open SVG files in a variety of programs and also convert it to other formats if needed.What is an SVG file?The SVG file format is short for Scalable Vector Graphics, and as the name suggests, it's a kind of graphics file. Unlike bitmap graphics (such as JPG and PNG files), SVG graphics are composed of vectors, which are a kind of geometric object. The file uses the language of XML to describe the image mathematically using vector geometry.All that means that SVG files are resolution-independent; you can scale an SVG file up or down and it will maintain sharpness and clarity. In contrast, if you tried scaling a JPG image up, it would quickly become pixelated and blurry because the original image has a set number of pixels.When used for the right applications, SVG files can also be compact and efficient, resulting in small file sizes. That said, SVG isn't the right file format for every application. It works best for images like logos, diagrams and other line art images. Highly complex, organic images like photographs are a poor use of the SVG format.    How to open an SVG fileWhile SVG graphics are not commonly used outside of graphics professionals, the files are easily opened and viewed using lots of common software. The easiest way to view an SVG file is within a web browser. Because SVG uses XML — a text-based markup language similar to HTML — any modern web browser can display an SVG file. Just drag your SVG file to a browser like Chrome, Firefox, Safari or Microsoft Edge and the image should appear in a new tab. You won't be able to edit the image, though. You can open an SVG file in any modern browser by dragging it into the browser window.Dave JohnsonYou can also open an SVG file in many graphics programs. If you want to be able to edit the image in its native vector format, you'll need to use a program like Adobe Illustrator. If you use Photoshop, the image will instead be automatically converted to a bitmap graphic at a specific size — see the next section for details.How to convert an SVG fileBecause SVG is a specialized file format, you might want to convert it to a bitmap file like JPG or PNG so you can more easily use it in other applications. One way to do that is with Adobe Photoshop — when you open an SVG in Photoshop, the image is automatically converted to a bitmap graphic at a size you specify. Here's what to do:1. In Photoshop, click File and choose Open. 2. Find the SVG file and choose Open.3. In the Rasterize SVG Format window, choose the size that you want the image to be converted to and click OK.When you open an SVG file in Photoshop, it's converted to bitmap, so you can then easily save it as a JPG.Dave Johnson4. Make any additional changes you like to the graphic. 5. Choose File, then Export, and then Export As.6. In the Export As window, choose the kind of file you want (like JPG) to create and click Export.  7. Choose a location for the file and click Save. If you don't have access to a program like Photoshop or just want a quick and easy way to convert an SVG file, you can use an online tool like Convertio. To use Convertio:1. Click Choose Files and select your SVG file. 2. In the drop-down menu to the right of to, choose the file format you want to convert it to (such as JPG).3. Click Convert. 4. After a short wait, the file will be completed. Click Download and save the file to your computer. Read the original article on Business Insider.....»»

Category: worldSource: nytJun 23rd, 2022

The 15 best iPhone shortcuts you can use to make your life easier

The best iPhone shortcuts can help automate, simplify, and streamline your phone use with a single command. Isabel Fernandez Pujol/BI Photo The best iPhone shortcuts can help automate, simplify, and streamline your phone use with a single command.  You can run most shortcuts by voice using Siri or add them as widgets to the Home screen. Here are 15 of the best shortcuts everyone should have installed on their iPhone. Shortcuts are one of the most underappreciated features for the iPhone and iPad. Using the Shortcuts app, you can automate common tasks and daisy chain apps to work together with a single command. Some shortcuts are immensely useful and can come in handy multiple times each week. Others can improve and simplify the experience of using your phone, making you wonder why you didn't start using the shortcut much sooner. You can run shortcuts directly from the Shortcuts app, but it's a lot more convenient to start them by voice with Siri or by adding your favorite shortcuts as widgets to the iPhone's Home page. A few shortcuts are special cases and are best run from the Share page within the app where the shortcut is designed to work.  Whether you're a longtime Shortcuts user or are just discovering this iOS feature now, here are 15 of the very best iPhone shortcuts everyone should have. Live Photo to GIFThe iPhone's Live Photos are akin to magic; they are several seconds of video captured when you took the picture. But Live Photos are not that useful. Use the Live Photo to GIF to save any Live Photo as, the name suggests, an animated GIF that you can share in the usual way — in other words, it's your own personal GIPHY creator. Calculate TipCalculating the tip on a bill is always harder than it should be, especially if you're in a hurry at the end of the meal. After running this shortcut, you simply enter the bill and choose what interest rate you want, such as 12%, 15%, 18%, or 20%. You'll immediately see the tip amount and final bill total including the tip.Tell the shortcut the bill and tip percentage, and it'll quickly calculate how much tip to leave and the new total.Dave Johnson/InsiderShazam ++Ever since Apple integrated Shazam into iOS, it has been easy to find the name of whatever song is playing around you. But Shazam++ takes that a step further — this shortcut will use Shazam to identify the song and then offer you a menu of options that include sharing the song or playing it in your favorite music player such as Spotify or Apple Music. After finding the music you're listening to, this Shazam shortcut can do a few handy things with the song, including sharing or playing it.Dave Johnson/InsiderPlay Whole AlbumHave you ever been listening to a track in Apple Music and decided you'd like to hear the entire album that song comes from? It's not always easy to navigate to the album and start playing it, but this shortcut can do it with a tap. Play Whole Album identifies the album and starts playing it right from the first track. View clipboardSometimes it's handy to see what's in your iPhone's clipboard without opening a document and pasting it to see what's there. Use the View clipboard shortcut to see what's been copied with a single tap or voice command. Home ETAPeople are waiting for you at home, but you've been delayed at the office or stuck in traffic. Invoke the Home ETA shortcut to automatically send a text message to one or more people with the time that Apple Maps estimates you'll arrive home. You don't need to launch Maps, either — just run the shortcut and it does the rest. Directions To Next EventThe Directions To Next Event shortcut simplifies the process of getting driving directions — just invoke this shortcut and it'll grab the next event in your Calendar app and, if there's a destination, open it in Apple Maps so you can start to navigate there.This shortcut can find your next destination in the Calendar app and automatically plot a course.Dave Johnson/InsiderMake Top 25 PlaylistThe Make Top 25 Playlist shortcut does just what it promises. Start this shortcut and it'll create a playlist in Apple Music with the 25 tracks you have most recently played. Every time you run this shortcut it'll make a new playlist, so you can hear how your most played tracks have changed over time. CmlCmlCmlCamelCamelCamel is an excellent price comparison site that can show you the price history of anything at Amazon, which can help you decide if now is a good time to buy. For a faster way to check prices at CamelCamelCamel, install this shortcut and then go to Amazon in Safari. From any product page, start the CmlCmlCml shortcut from the Share page to see the results. Send Delayed TextYou may not want to always send text messages as soon as you write them. It might be for a special occasion, or perhaps you want to send it during daylight hours. Whatever the reason, use Send Delayed Text to choose a recipient, write a text message, and then choose the day and time when the message gets sent. Speed DialThe iPhone's Phone app puts favorite contacts just a tap away, but you can place calls even faster with the Speed Dial shortcut. Specify who you want to call the first time you run the shortcut, and then dial that person immediately whenever you launch the shortcut.Turn the Speed Dial shortcut into a widget to dial someone with a tap from the Home screen.Dave Johnson/InsiderSafari Auto ScrollWant to read a long webpage in Safari hands-free? Open the webpage you want to read and then run Safari Auto Scroll from Safari's Share page. You can choose the scroll speed and then put the phone down as the page scrolls all on its own, like your own teleprompter. To enable this shortcut, you will need to turn on Allow Running Scripts in the Shortcuts app's Settings page. Remind Me at WorkDo you send yourself emails at work so you remember important tasks? You can use the Remind Me at Work shortcut instead. When you set up the shortcut, enter your office's address. Then, whenever you run the shortcut, you can send yourself a note that'll only appear on your phone when you get to the office.  Apple FramesIf you need to take screenshots with your iPhone and wish there was an easy way to add an iPhone-like frame around the image, you're in luck. Apple Frames is like your own graphic designer — just start the shortcut and choose the screenshot. In a few moments, you'll get a copy of the image encased in an iPhone frame which you can save or share. The Apple Frames shortcut can take a screenshot and apply a realistic phone frame around it.Dave Johnson/InsiderPhoto ConverterGetting images in the right format is a constant annoyance. Photo Converter is a shortcut that can take any image in your photo library and convert it to PNG, JPG, or HEIF as needed. After you select the file format you need, save the image or share it in the usual way. Read the original article on Business Insider.....»»

Category: personnelSource: nytJun 3rd, 2022

How to convert a WEBP file to JPG on a Windows or Mac computer

You can convert a WEBP file to JPG using built-in apps on a Mac or Windows PC, or a third-party service. Windows and Mac computers allow you to convert WEBP to JPG using built-in software.Qi Yang/Getty Images You can convert a WEBP file to JPG using built-in programs on a Mac or Windows PC.  Third-party services like Adobe Photoshop and Convertio will also allow you to convert WEBP to JPG.  Visit Insider's Tech Reference library for more stories. The WEBP file format is a relatively new way to display images online. The format was developed by Google as a modern, highly efficient format to display high-quality images on the web at a fraction of the size of JPG and PNG images.It's new enough that you might encounter the format and not necessarily know what to do with it. The good news is that most modern browsers, photo software, and operating systems can accommodate the format automatically. And if you want to, you can easily convert a WEBP file into a more traditional format, like JPG. How to convert WEBP to JPG on WindowsIf you download an image from the web and the only option that your browser gives you is WEBP, or if you inherit a WEBP file from elsewhere, you don't necessarily need to convert it to another format if the program you're using can open the WEBP file. But you can convert the file using the built-in Paint program if necessary.1. Start Paint. If you need to, search for "paint" in the Start search box and click Paint when you see it in the search results.2. Open the WEBP file you want to convert. You can drag the file into the open Paint window or browse by clicking File, then Open. 3. Click File, then Save As. Choose JPEG picture and specify where you want to save the new, converted file. You can save a WEBP file as a JPG using Paint.Dave JohnsonHow to convert WEBP to JPG on MacOn a Mac computer, you can convert any WEBP file to JPG using the built-in Preview app. 1. Start Finder and then locate the WEBP file.2. Double-click the file to make it open in the Preview app.3. In the menu bar, click File and then Export.4. In the Format section of the Export dialog box, make sure the drop-down menu is set to JPEG. 5. Adjust the file name and destination as needed then click Save. Open a WEBP file in your Mac's Preview app to export it as a JPG.Dave JohnsonThird-party conversion methodsThe WEBP file format enjoys broad support and you can open it in a variety of third-party programs, where you can use the file like any other image file or convert and save it as a JPG. You can open WEBP files in popular programs like Adobe Photoshop or Irfanview, for example. And no matter which operating system you use, you can convert image files from WEBP to JPG using the free online file converter called Convertio.1. Open Convertio in a browser. 2. Click Choose Files and select the WEBP file you want to convert.3. Make sure the to: menu is currently set to JPG.4. Click Convert.5. After a moment, the file will be converted and you can download it to your computer. The free Convertio website can save a WEBP file as a JPG.Dave JohnsonRead the original article on Business Insider.....»»

Category: topSource: businessinsiderApr 4th, 2022

How to convert PNG files to JPG on a Windows PC or Mac

You can easily convert PNG files to JPG using software built into your Windows or Mac computer or third-party methods. Windows and Mac computers have built-in apps that allow you to convert PNG to JPG in a few steps.Matthew Leete/Getty Images You can easily convert PNG files to JPG using software built into your Windows or Mac computer. You can also use the free online file converter called Convertio in any web browser. In many cases you might not need to convert the file at all, because most software can open both JPG and PNG files. Visit Insider's Tech Reference library for more stories. In the early days of personal computing, there were so many incompatible file formats that one of the first programs many PC users purchased was a file converter app that served as a switchboard between other programs. Those days are long over, but you might still find a need to convert one kind of file into another. One of the most common: taking the PNG image file format and turning it into the somewhat more common JPG file. The good news is that PNG — favored by professionals because it offers lossless image compression, transparency, and superb compatibility with the web — is compatible with most common software. But if you need to convert it to JPG, that's easy to do as well. How to convert PNG to JPG on WindowsYou can use Paint, a graphics program that is included with Windows, to save a PNG file as a JPG. 1. Start Paint, which you can find by searching for "paint" in the Start search box.2. Open the PNG file you want to convert. You can drag the file into the open Paint window or browse to it by clicking File, then Open. 3. Click File, then Save As. Choose JPEG Picture and specify where you want to save the new, converted file. The Save As JPEG Picture option in Paint’s File menu.Dave JohnsonHow to convert PNG to JPG on MacYou can save PNG files as JPGs in a number of common Mac apps, but the easiest is to use Preview. 1. Start Finder and then locate the PNG file you want to convert.2. Double-click the PNG file and it should appear in the Preview app.3. In the menu bar, click File and then Export…The Export option in the Mac’s Preview appDave Johnson4. In the Format section of the Export dialog box, click the drop-down menu (currently set to PNG) and choose JPEG.5. Change the file name and destination, then click Save.The Mac’s Preview app with the Export dialog box open.Dave JohnsonThird-party conversion methodsYou don't have to use a built-in app like Paint for Windows or Preview on the Mac. Many photo editors and photo viewers let you save a PNG as another file format — you can also do this in Adobe Photoshop for Mac or Windows, for example, as well as Irfanview or Paint.Net for the PC. Whether you have a Mac or Windows, you can also easily convert from PNG to JPG using an online file converter called Convertio. 1. Open Convertio in a web browser. 2. Click Choose Files and select the PNG file you want to convert.The free online file converter ConvertioDave Johnson3. Make sure the to: menu is currently set to JPG.4. Click Convert.5. After a moment, the file will be converted and you can download it to your computer. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMar 30th, 2022

How to convert Apple"s HEIC files to PNG if you need to use the more standard file format

You can convert HEIC files to the PNG format using a few different methods. Here's how to convert HEIC to PNG on an iPhone, Mac, or Windows PC. It's possible to convert HEIC files to PNG on an iPhone, Mac, or PC.Geber86/Getty Images You can convert HEIC files to PNG by using a few methods, depending on your device.   On a Mac, you can convert HEIC images by exporting photos from the Preview app. On Windows, you'll need to use third-party applications. You can create a shortcut on an iPhone to convert images to PNG and store them in a new photo folder.  Visit Insider's Tech Reference library for more stories. Apple's proprietary file format, HEIC, stores high-quality images on iOS devices and offers better compression than the JPG format. HEIC makes better use of your limited mobile storage, but it has a downside: it isn't well-supported by software on Windows computers. If you need to convert your HEIC files to the more common PNG format, though, don't worry — it's relatively simple. How to convert HEIC to PNG on a Mac Converting HEIC images to PNG is easy on the Mac because Apple built HEIC support into all of its photo software. That means you can open an HEIC image in the Preview app and export it as a PNG.1. Double-click any HEIC image. It should open in the Preview app.2. In the menu bar, click File, then Export.3. In the Export window, find the Format section and click the drop-down menu. Choose PNG. 4. Choose where you want to save this exported file. 5. Click Save.You can export an HEIC image to PNG using the Preview app.Dave JohnsonYou should be able to use this same process to save an HEIC image as a PNG in any other Apple photo software on your Mac, though the exact steps may vary slightly. How to convert HEIC to PNG on Windows It's possible to convert an HEIC file to PNG using Windows photo apps, but you need to install additional software to make that happen. You'll need both the free HEIF Image Extensions app and the paid HEVC Video Extensions app (which costs $0.99) in the Windows Store. If you do that, you can open HEIC files in any app and save the file in a different format, such as PNG.  But there is an easier (and free way). Go to Convertio in a web browser and use this free online file converter to save any HEIC file as a PNG. Click Choose Files and select the HEIC file you want to convert, then click Convert.How to convert HEIC to PNG on an iPhoneThe easiest way to avoid HEIC files on your iPhone is to use your iPhone's Settings app to save images as JPG files, so they will be fully compatible with software on your computer. 1. Start the Settings app.2. Tap Camera, then Formats. 3. In the Camera Capture section, choose Most Compatible. This ensures all new photos are saved in JPG format.If you don't want to ever deal with the HEIC format, you can tell your iPhone to save all photos as JPGs.Dave JohnsonUnfortunately, that gets you JPG files, not PNG. If you want your photos in PNG, you need to convert them from HEIC or JPG using the Shortcuts app.1. If it's not already on your iPhone, install the Shortcuts app from the App Store. 2. Start the Shortcuts app.3. Tap the Plus sign at the top right of the page to create a new shortcut. 4. In the search box at the bottom of the screen, search for "Select Photos" and tap Select photos when you see it in the search results. 5. If you want to be able to select multiple photos for conversion, tap the arrow in the Select photos box and turn on Select Multiple by swiping the button to the right. You can build a shortcut to convert HEIC files to PNG by starting with the Select Photos command.Dave Johnson6. Search for and add Convert Image.7. In the Convert Image box, tap JPEG (the default format it converts files to) and then tap PNG in the list of file format options. 8. Search for and add Save to Photo Album.9. In the Save to Photo Album box, tap Recents and choose the album where you'd like to store your new PNG files. 10. At the top of the page, tap Save to Photo Album and name this shortcut. You might call it HEIC to PNG, for example. Tap Done and then tap the X at the top right of the screen. When the shortcut is complete, you can run it from the app's main page.Dave JohnsonTo use the shortcut, start the Shortcuts app and tap your new shortcut. Select the HEIC photos you want to convert and tap Add. You can then find the converted PNG photos in the specified album. Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMar 17th, 2022

What is a PNG file? How to open or convert the popular graphic file format

PNG, short for Portable Network Graphics, is a popular and high-quality graphic file format. The PNG format is lossless and supports transparency. PNG files offer certain advantages over other common file formats.wundervisuals/Getty Images PNG, short for Portable Network Graphics, is a popular and high-quality graphic file format. The PNG format is both lossless and supports transparency, making it great for webpages. You can view PNG files in almost any graphic program, image viewer, and web browser.  Visit Insider's Tech Reference library for more stories. PNG is a popular graphic file format, perhaps second only to JPG today. It has a few advantages over JPG and is easy to work with because it's widely supported. Here's what you need to know.What is a PNG file?PNG, short for Portable Network Graphics, is a high-quality graphic file format that you can view in almost any graphic program, image viewer, or web browser. The PNG format is an alternative to the slightly better-known JPG file. While JPG is the format of choice for consumers, especially for storing images in digital cameras, PNG is more popular among professionals in web design, and in fact is the successor to the now largely obsolete GIF format. Here are the main characteristics of the PNG format.Format of choice on the web: Many websites rely on PNG for rendering images on its webpages.   Lossless: Unlike many other file formats, including JPG, PNG uses a lossless compression algorithm that results in a high image quality. Supports transparency: PNG allows you to specify a transparent background, which is essential for illustrators and graphic designers. This allows irregular images, illustrations, and logos to sit on top of a background color. No animation: Unlike the older GIF format (which is also lossless), PNG images don't support looping animations.   PNG images can have a transparent background which lets the subject float over whatever background they're placed on.Dave JohnsonHow to open PNG filesThere is simply no shortage of ways to view and use PNG files — it's a common standard file format and is supported by virtually every major web browser, file viewer, graphic and photo program for Windows and Mac. That means if you want to view a PNG file, you simply need to double-click it and it should open in the default viewer on your computer. You can also view a PNG file by dragging it into any web browser (or use CTRL + O to browse for the file and then open it in a browser). Double-click a PNG to open it in the default Windows image viewer.Dave JohnsonThe list of programs that can display PNG files is almost endless, but here is a short list of options:Microsoft Paint (included with Windows)Adobe PhotoshopIrfanViewFastStone Image ViewerXnViewHow to convert PNG filesWhile the PNG format is common enough that you should have no trouble using, viewing and sharing it in that format, you might want to occasionally convert it to another format. A JPG version of the same image can be substantially smaller, for example, making it easier to share. The good news is that almost any graphics program that displays a PNG file will let you convert it to another format like JPG, and for the most part, they all work essentially the same way. For example, here is how to convert a PNG file in Microsoft Paint:1. In Paint, open the PNG file you want to convert.2. Click File, then Save As and choose the format you want to convert the image into, such as JPG.3. Name the file and click Save.You can convert a PNG to another format using the Save As command in your Photo editor.Dave JohnsonYou can also use a free online file converter like Convertio. To use Convertio:1. Click Choose Files and select your PNG file. 2. In the dropdown menu to the right of to, choose the file format you want to convert it to (such as JPG).3. Click Convert. 4. After a moment, the file will be completed. Click Download and save the file to your computer. Convertio is an easy way to convert PNG files in a web browser.Dave JohnsonRead the original article on Business Insider.....»»

Category: personnelSource: nytJan 14th, 2022

How to AirDrop photos as JPG files instead of HEIC

You can AirDrop photos as a JPG by manually converting HEIC to JPG or always saving in the JPG format. There are two ways you can AirDrop photos as JPG rather than HEIC.GettyImages/ Bronek Kaminski You can AirDrop photos as a JPG by manually converting HEIC to JPG or always saving in the JPG format. You can disable HEIC using the Most Compatible option in Camera Settings. To AirDrop an individual HEIC photo as a JPG, copy it from the Share menu and paste it into the Files app. Visit Insider's Tech Reference library for more stories. Starting with iOS 11 in 2017, Apple made its proprietary file format called HEIC the standard for saving images on the iPhone and iPad. HEIC has a lot of advantages over JPG, such as better image quality and improved file compression, meaning you can store great-looking photos on your mobile device while using less space in the process. There's a serious disadvantage, though: Especially for Windows users, HEIC isn't a standard file format, and if you AirDrop one to someone, they won't be able to use it without converting the HEIC to a more common file format. If you prefer, you can AirDrop photos in JPG format instead.  How to AirDrop photos as JPG rather than HEICIf you don't care about saving your photos in Apple's HEIC format, you can disable this feature and force your phone or tablet to save all images as JPGs. If you do that, then any image you try to AirDrop will already be in JPG format. To do that, you'll need to configure your device's Settings app to save images as JPG files. Do this step once, and then all images will be in JPG format when you AirDrop them to another device.1. Start the Settings app.2. Tap Camera, then Formats.3. In the Camera Capture section, choose Most Compatible. This ensures all new photos are saved in JPG format.You can use the Most Compatible format in Camera settings to always AirDrop photos as JPGs.Dave Johnson/InsiderHow to AirDrop photos as a JPG by making a copy of an HEICIf you want to save photos in the HEIC format and only convert images to JPG when you want to share them via AirDrop, you can choose to save HEIC files as JPGs manually. 1. Start the Photos app and locate the photo you want to share via AirDrop as a JPG.2. Tap the Share button at the bottom left and choose Copy Photo.If you choose to copy an HEIC photo on your iPhone, it gets pasted as a JPG.Dave Johnson/Insider3. Start the Files app.4. If you want to create a new folder to store the JPG copy of the HEIC photo, tap the three-dot menu at the top right, choose New Folder and name the folder. If you already have a folder you want to use, just move on to the next step.5. Open the folder where you want to store the JPG image.6. Tap and hold a blank space in the folder until the pop-up menu appears, then choose Paste. The photo is now saved in JPG format.When you paste a photo into the Files app, it arrives as a JPG.Dave Johnson/Insider7. Tap the pasted image and tap the Share icon at the bottom right. AirDrop the image just like you would with any other file.Read the original article on Business Insider.....»»

Category: worldSource: nytApr 8th, 2022

How to download files from Google Docs for offline use or sharing

You can download a Google Docs file from a computer or mobile device and select the appropriate format for your file. You can download Google Doc files on any computer or mobile device. Marko Geber/Getty Images You can download a Google Docs file on your computer by opening the document in a web browser and using the File menu. Both Android and iPhone owners can download Google Docs as a Microsoft Word file or PDF, or make a document available offline. Visit Insider's Tech Reference library for more stories. Want to make a Google Docs document available offline? Downloading a document from Google Docs makes this possible. Once it downloads, you can edit or share the document as you would any other file. How to download a Google Doc on your computer The steps below will help you download a Google Doc on a computer running a Windows, MacOS, or ChromeOS operating system.1. Open a web browser and navigate to Google Docs.2. Open the document that you want to download. 3. Select File from the toolbar. Click File and hover over Download in the dropdown menu. Matthew Smith 4. Navigate to Download. A sub-menu with a list of available document file types will appear. Select the file type you prefer to download. Click a file format for your download. Matthew Smith How to download a Google Doc using Google DriveYou can also download a Google Doc through the Google Drive interface. Google Drive, unlike Google Docs, will let you select and download multiple files at once. The document will download in the Microsoft Word file format (.docx).1. Open a web browser and navigate to Google Drive.2. Select and right-click the document you want to download. You can also hold the shift button on your keyboard to select multiple files at once, then right-click. Select one or multiple Doc files and right-click. Matthew Smith 3. Select Download. Click Download to download a Doc as a Microsoft Word file. Matthew Smith How to download a Google Doc on your iPhoneYou can download a Google Doc on an iPhone with the Google Docs app. 1. Open the Google Docs app.2. Find the document you want to download in the list of available documents.3. Select the three-dot ellipsis (...) next to the document that you want to download. Tap the ellipses next to a doc. Matthew Smith 4. Tap Send a copy. Select Send a copy. Matthew Smith 5. You'll see a prompt to choose between a PDF or Word document. Select your preference and tap OK. Tap a format and tap OK. Matthew Smith 6. A new menu will appear. Select Save to Files. Tap Save to Files. Matthew Smith 7. Navigate to the location where you want to save the file and tap Save. Select a destination for the file and tap Save. Matthew Smith How to download a Google Doc on AndroidFollow these steps to download a file from the Google Doc app on an Android device. 1. Open the Google Docs app.2. Find the document you wish to download from your available documents.3. Select the vertical three dots next to the document you wish to download. Tap the vertical dots next to a doc. Matthew Smith 4. Tap Download to save as a PDF, or select Save as Word (.docx) to save as a Word document. Tap Download or Save as Word (.docx). Matthew Smith Google Docs will save the document to the Downloads folder on your Android device.Quick tip: Google Docs has an alternative to downloading called Make available offline. This lets you edit a Google Doc without an internet connection; changes sync once a connection is restored. Make available offline is ideal if you want to download a Google Doc for offline editing and don't need to open it in another program.How to use Google Docs' dark mode on any device to make late-night writing more comfortable on your eyesHow to convert a PDF file to a Google Doc with or without its original formattingHow to print directly from Google Docs on any deviceHow to edit Google Docs offline on your computer or smartphoneRead the original article on Business Insider.....»»

Category: topSource: businessinsiderOct 21st, 2021

Rite Aid (RAD) Q1 Loss Narrower Than Expected, Revenues Beat

Rite Aid's (RAD) Q1 results gain from higher sales of non-COVID-19 prescriptions and continued momentum at Elixir. Management raises its revenue guidance for fiscal 2023. Rite Aid Corporation RAD posted first-quarter fiscal 2023 results, wherein the bottom and top lines beat the Zacks Consensus Estimate. However, both metrics declined year over year. Increased non-COVID prescriptions, lower SG&A and continued momentum at Elixir aided the results.Shares of RAD jumped 20% at the close of the trading session on Jun 23. This might have resulted from the raised fiscal 2023 revenue outlook.Q1 HighlightsThe company delivered an adjusted loss of 60 cents per share against earnings of 38 cents in the prior-year quarter. The figure was narrower than the Zacks Consensus Estimate of a loss of 70 cents.Revenues declined 2.4% to $6,015 million and surpassed the Zacks Consensus Estimate of $5,728 million. Sluggishness in both Retail Pharmacy and Pharmacy Services segments hurt sales.In the quarter, the Retail Pharmacy segment's revenues fell 0.1% due to a reduction in COVID-19 vaccines and testings, as well as store closures, somewhat offset by higher non-COVID-19 prescriptions.Retail Pharmacy same-store sales were up 4.6%, driven by a 6.6% rise in pharmacy sales, which partly offset the 0.5% decrease in front-end same-store sales. Excluding cigarettes and tobacco products, front-end same-store sales remained flat year over year.Prescription count at same-store sales, adjusted to 30-day equivalent, rose 0.9% on the back of non-COVID-19 prescriptions (up 3.7%), acute prescription (up 11.9%) and maintenance prescriptions (up 1.4%). The acute prescription and maintenance prescription units witnessed growth of 12.3% and 1.1% from the pre-pandemic levels.In the Pharmacy Services segment, revenues declined 7.8% due to client loss announced earlier and reduced Elixir Insurance memberships.In the reported quarter, adjusted EBITDA plunged 28% year over year to $100.1 million. The adjusted EBITDA margin contracted 60 bps to 1.7% in the quarter under review. SG&A expenses decreased 2.2% year over year to $1,217.9 million.Rite Aid Corporation Price, Consensus and EPS Surprise   Rite Aid Corporation price-consensus-eps-surprise-chart | Rite Aid Corporation QuoteFinancial StatusRite Aid ended the reported quarter with cash and cash equivalents of $56.1 million, long-term debt (net of current maturities) of $3,026.5 million, and total shareholders' equity of $8,376 million.For fiscal 2023, capital expenditure is forecast to be $250 million, which is to be utilized for investments in digital capabilities, technology, prescription file purchases, distribution center automation and store remodels. The company also expects to generate positive free cash flow in fiscal 2023.FY23 OutlookManagement raised its fiscal 2023 revenue expectations, driven by the increased use of higher-cost drugs at Elixir. Rite Aid’s revenues are anticipated to be $23.6-$24 million, up from the earlier mentioned $23.1-$23.5 billion. The Retail Pharmacy segment’s revenues are likely to be $17.35-$17.65, down from the previously communicated $17.7-$18 billion. Meanwhile, the Pharmacy Services segment’s revenues are expected to be $6.25-$6.35 billion, which compares favorably with the prior mentioned $5.4-$5.5 billion.The company envisions a loss between 66 cents and $1.19. Adjusted EBITDA is anticipated to be $460-$500 million, with the Retail Pharmacy segment’s adjusted EBITDA at $320-$350 million and the Pharmacy Services segment’s adjusted EBITDA at $140-$150 million.Business DevelopmentIn a recent development, Rite Aid collaborated with Afterpay to enhance the customer experience. With this, RAD became the first national drugstore chain to offer the service of shop online and pay later via Afterpay.This Zacks Rank #3 (Hold) company revealed plans to expand the Rite Aid Rewards program to improve customer engagement in pharmacy and front-end sales. It also intends to reduce Elixir insurance membership to manage the business's profitability. In the reported quarter, RAD launched 546 newly designed products, and expects to launch more in the second half of this year. It also remains on track with plans to open small-format pharmacies in underserved rural markets such as Indiana, upstate New York and Virginia. Image Source: Zacks Investment Research We note that shares of RAD have lost 17.5% in the past three months compared with the industry's decline of 15.2%.Stocks to ConsiderHere are three better-ranked stocks to consider — Dillard’s DDS, Boot Barn Holdings BOOT and Canada Goose GOOS.Dillard’s operates as a departmental store chain, featuring fashion apparel and home furnishings. It presently sports a Zacks Rank #1 (Strong Buy). DDS has a trailing four-quarter earnings surprise of 224.1%, on average. You can see the complete list of today’s Zacks #1 Rank stocks here.The Zacks Consensus Estimate for Dillard’s current financial-year sales suggests growth of 6.1%, while the same for EPS indicates a decline of 33.9% from the year-ago period’s reported numbers. DDS has an expected EPS growth rate of 12.6% for three-five years.Boot Barn, which provides western and work-related footwear, apparel and accessories, currently has a Zacks Rank #2 (Buy). The company has a trailing four-quarter earnings surprise of 25.2%, on average.The Zacks Consensus Estimate for Boot Barn’s current financial-year sales and EPS suggests growth of 17% and 4.4%, respectively, from the year-ago period’s reported figures. BOOT has an expected EPS growth rate of 20% for three-five years.Canada Goose is the designer, manufacturer, distributor and retailer of premium outerwear for men, women and children. It currently carries a Zacks Rank #2. GOOS has a trailing four-quarter earnings surprise of 65.9%, on average.The Zacks Consensus Estimate for Canada Goose’s current financial year’s EPS suggests growth of 64.4% from the year-ago period’s reported figures. GOOS has an expected EPS growth rate of 27.4% for three-five years. 7 Best Stocks for the Next 30 Days Just released: Experts distill 7 elite stocks from the current list of 220 Zacks Rank #1 Strong Buys. They deem these tickers "Most Likely for Early Price Pops." Since 1988, the full list has beaten the market more than 2X over with an average gain of +25.4% per year. So be sure to give these hand-picked 7 your immediate attention. See them now >>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 Rite Aid Corporation (RAD): Free Stock Analysis Report Dillard's, Inc. (DDS): Free Stock Analysis Report Boot Barn Holdings, Inc. (BOOT): Free Stock Analysis Report Canada Goose Holdings Inc. (GOOS): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research.....»»

Category: topSource: zacksJun 24th, 2022

The Bill Gurley Chronicles: Part 2

The Bill Gurley Chronicles: Part 2 By Alex of the Macro Ops Substack What if there was a way to distill all the knowledge that someone’s written over the last 25 years into one, easy-to-read document? And what if that person was a famous venture capital investor known for betting big on companies like Uber, Snapchat, Twitter, Discord, Dropbox, Instagram, and Zillow (to name a few)?  Well, that’s what I’ve done with Bill Gurley’s blog Above The Crowd.  Gurley is a legendary venture capital investor and partner at Benchmark Capital. His blog oozes valuable insights on VC investing, valuations, growth, and marketplace businesses.  This document is past two to the one-stop-shop summary of every blog post Gurley’s ever written, part 1 can be found here. February 2, 2004: The Rise Of Open-Standard Radio: Why 802.11 Is Under-Hyped (Link) Summary: WiFi will dominate wireless communications for the same reason Ethernet dominated networking and x86 dominated computing: high switching costs. This wide-scale adoption causes capital to flow into the standard as companies look to differentiate on top of the existing platform. In doing so, it further entrenches the “open-standard” incumbent.  Favorite Quote: “Open standards obtain a high “stickiness” factor with customers as a result of compatibility. Once customers invest in a standard, they are likely to purchase more and more supporting infrastructure. As their supporting infrastructure grows, their switching costs rise dramatically with respect to competitive alternate architectures. Customers are no longer tied simply to the core technology, but also to the numerous peripherals and applications on which they are now dependent. All of these things make challenging an accepted open standard a very difficult exercise.” March 24, 2004: All Things IP: The Future Of Communications In America (Link) Summary: South Korea and Japan are leading the world in broadband speed and connectivity. South Korea, for example, sports 80% broadband adoption. The US on the other hand, less than 50%. Different players battle for the future of US communication. Free services like Skype offer high-quality VoIP calls. But it’s the cable companies, with their mega-cable infrastructure, that lead the way. At the end of the day follow the money. Comcast went after Disney not because of distribution, but because of content. Favorite Quote: “Now, while voice should be free, that doesn’t mean that it will be free. The two conditions outlined above are nontrivial. First and foremost, it is not at all clear that we have enough competition in the U.S. broadband market. Innovations in the wireless market, particularly recent innovations around mesh architectures, have the opportunity to change this. As of right now, however, many users simply lack choice. Additionally, the many state municipalities around the country are eager to place their hands on VoIP. A poorly executed policy could in fact “increase” the long term pricing on voice services for all users (for example, would you really tax a free service?).” May 6, 2004: Entrepreneurialism And Protectionism Don’t Mix (Link)  Summary: Protectionism and entrepreneurialism don’t work together. One prides itself on open dissemination of ideas, talent and problems (entrepreneurialism). The other (protectionism) desires to keep what’s theirs and turn a blind eye to competition. There are seven reasons why these two ideologies don’t mix: it hurts the economy (comparative advantage), start-ups don’t receive government subsidies (that encourage protectionism), disincentivizes diversity, more start-ups start with a global presence, the hot markets are ex-US, it goes against our global open standards (WiFi, etc.) and its inconsistent with the entrepreneurial mindset.  Favorite Quote: “It is hard to imagine a successful entrepreneur arguing that he or she deserves a job over someone else that is equally skilled and willing to work for a lower wage. The entire spirit of entrepreneurialism is based on finding ways to do something better, faster, and cheaper. It is the whole nature of the game. If someone can do something better somewhere else, it simply means it’s time to innovate again – with intellect and technology, not politics.” October 19, 2004: The Revolutionary Business Of Multiplayer Gaming (Link)  Summary: Multiplayer gaming is an incredible business featuring five “Buffett-Like” business characteristics: recurring revenue (subscription pricing), competitive moats (switching costs), network effects/increasing returns, real competition with others and high brand engagement. Those that fail to realize the importance (and power) of the video game business model (40%+ operating margins) will miss a huge investment opportunity.  Favorite Quote: “Some skeptics argue that MMOG is still a “niche” business and that the same half-million users are migrating from Everquest to Ultima Online to City of Heroes. Under this theory, MMOGs will never be mass market and will never really “matter” in the $20 billion interactive entertainment business. However, with billion dollar businesses now dotting the NASDAQ, it becomes harder and harder to invoke such skepticism. And if new paradigms, architectures, and broadband speeds allow for titles that meet the needs of a wider demographic, ignoring MMOGs may be equivalent to ignoring the successor to television.” March 11, 2005: Believe It Or Not: Your State Leaders May Be Acting To Slow The Proliferation Of Broadband (Link) Summary: In 2005, rumors circulated that laws would pass eliminating a city’s right to offer telecommunications services to its citizens. Gurley suggested states should say “no way” to this offering, and opined six reasons why (straight from the post):  The primary reason for the proposition is to reduce or eliminate competition for incumbent telcos An oligopoly doesn’t make a marketplace Taking rights from municipalities will have negative overall impact on American innovation  Even if a city has no intention of deploying wireless services, it is still in that city’s best interest to retain the right to do so In 2005, isn’t it reasonable for a city to choose to offer broadband as a community service?  A founding American principle — localized government whenever possible Favorite Quote: “In what is ostensibly the cornerstone “democracy” on the planet, one would think that the citizens in each of America’s cities could simply “vote” on the services they believe make sense for their city to provide.  Running a wireless network in a city like Topeka, Kansas simply has no overriding impact on the state as a whole.  As Thomas Jefferson aptly wrote in a letter to William Jarvis in 1820, “I know of no safe depository of the ultimate powers of society but the people themselves; and if we think them not enlightened enough to exercise their control with a wholesome discretion, the remedy is not to take it from them, but to inform them.”” March 21, 2005: The State Of Texas Refuses To Block Municipal Broadband (Link) Summary: Gurley’s post before this one did its job and Texas removed the harsh language around cities offering broadband access to its citizens. According to Gurley, the battle moved to Colorado.  Favorite Quote: “This proposed bill, in its original form, would prohibit a city from helping any new carrier whatsoever get started.  It’s a pure and blatant anti-competitive move.  It’s been modified slightly, but it is still one of the harshest proposals of any state, and once again created only to help the incumbent carriers by removing competition.  Consumers do not benefit from this language.” March 24, 2005: Texas Two Step – Backwards (Link) Summary: After celebrating the removal of restrictive broadband language three days prior, Texas reinserted the notion. What’s crazy is that the member who reinserted the language, Robert Puente, serves in a district where a large telco company has its headquarters. Hmm …  Favorite Quote: “It is shocking that these local reps really don’t care if broadband deployment in America continues to fall further and further behind the rest of the world.  Just shocking.” June 2, 2005: Texas Sets Key Precedent For Other States In Refusing To Ban Municipal Wireless (Link) Summary: It’s interesting that fixed broadband incumbents in Texas are so opposed to wireless broadband. The incumbents claim wireless is a weaker form of their product. But if it’s so weak, why do they want it banned from their state? Why won’t they let natural competition run its course? If it is indeed weak, there shouldn’t be a reason to impose sanctions and restrictions.  Favorite Quote: “The reason the pro-broadband movement was successful is because they organized, they gathered the real data on the success of municipal wireless deployments, and they were able to inform the citizens about this effort by the incumbents and their key legislators to use regulation to restrict competition.  They leveraged the Internet, blogs, and mailing lists, and made a huge difference.  The tech community also played a role with the AEA, the Broadband Coalition, and TechNet all speaking out against this effort to intentional slow technical progress.  These lessons and resources are now focusing on other states to ensure the Texas outcome.” July 12, 2005: DVD Glut (Link) Summary: Gurley saw the rise of TiVo and its effect on the DVD industry. Why would people pay for DVDs when they can record their favorite movies on TV and watch them whenever they want? There is no practical use for DVDs outside nostalgia and collection.  Favorite Quote: “Could it be that people are watching Shrek 2 on Tivo and saving that on Tivo for future viewing?  Could it be that other activities, such as Internet usage, is infringing on DVD time?” July 19, 2005: Do VCs Help In Building A Technology Platform? (Link) Summary: There are two important implications for venture capital’s lack of investment in Microsoft’s .NET platform. First, VCs are investing on the Open Platform. This is likely due to (what Gurley calls) “a more benign” platform. Such a platform allows for more creativity and application. Second, VCs aren’t investing in .NET applications because Microsoft’s simply going up the software vertical (owning each spot). There is a lack of opportunity within the existing .NET framework.  Favorite Quote: “Venture Capitalists look to the public markets for clues on where to go next.  There is no point in investing in technologies that don’t lead to liquidity events.  What the article stresses is that the majority of VC money these days is being spent on top of the Open Source platform rather than the Microsoft’s .Net platform.” July 22, 2005: Wifi Nation… (Link) Summary: This article gives us an excuse to talk about Innovator’s Dilemma. Clayton Christensen coined the term in his book with the same title. Wikipedia defines the term as, “the new entrant is deep into the S-curve and providing significant value to the new product. By the time the new product becomes interesting to the incumbent’s customers it is too late for the incumbent to react to the new product.” In short, WiFi is disrupting the incumbent broadband and their end consumers. Also, WiFi isn’t built for the incumbents. It’s built for the next generation.  Favorite Quote: “What you will see, and what many continue to deny, is that Metro-scale Wifi isn’t a theory, its a reality.  The networks are live.  They perform way better than EVDO or any cellular alternative. They are cheaper to deploy.  AND, there is huge momentum around more and more networks.” Years: 2006 – 2008 April 5, 2006: Why SOX Will Lead To The Demise Of U.S. Markets (Link) Summary: Sarbanes-Oxley (SOX) killed the small and micro-cap public market spirit. Like most regulations, the creators of SOX thought their stipulations would preserve the growth of public markets. Instead it stunted growth. SOX is an expensive requirement for smaller public companies. The costs disincentivize companies from going public. In return, US capital markets offer less opportunities than global companions. Will this lead to more money flowing overseas? Favorite Quote: “Ironically, the two gentlemen that created SOX did it with the intention of “preserving” U.S. capital market leadership. Their fear was that people viewed our markets as too risky, and so they created SOX to ensure that investors would “trust” our markets.” April, 2006: As Wifi Grows, So Do The PR Attacks (Link) Summary: There will always be haters when new technology replaces old, resentful incumbents. Can you blame them? WiFi completely destroyed their business model. Of course they’re going to run sham campaigns. But that’s the beauty of the Innovator’s Dilemma. WiFi doesn’t care about fixed broadband and incumbents. It’s serving its new wave of customers who want something incumbents can’t offer. Look for this in other up-and-coming technologies.  Favorite Quote: “Better performance than EVDO at a much lower cost.  You won’t stop this with an AP article.  Are their issues?  Sure, but I drop 5 cell calls a day in Silicon Valley and that technology (cellular voice) is over 25 years old.”  April 27, 2006: MMOs (MMORPGs) Continue To Rock (Link) Summary: Gurley again emphasizes the importance of MMO video games — particularly out of Asia. In fact, he mentions that Nexon (Japanese gaming company) plans to file on the JSE. Gurley believes the JSE filing is directly correlated with Sarbanes Oxley (from the article above). Regardless, the real winners in the video game industry are coming from Asia. Winning games will be based on community and entertainment, rather than pure competition. It’s no wonder Fortnite is so popular today. Gurley gave us clues almost 20 years ago.  Favorite Quote: “Many of the rising stars of multi-player interactive entertainment are more social than interactive. They also target much broader demographics than gaming ever dreamed of hitting. Consider three sites targeted at younger children and teens that are all doing extremely well — NeoPets, HabboHotel, and GaiaOnline (Benchmark is an investor in HabboHotel).” June 19, 2008: Back To Blogging (Maybe)… (Link) Summary: Gurley returned from his writing break to mention a few of his favorite reading sources. Gurley notes that he reads each of these websites every morning:  TechCrunch GigaOm Marc Andressen’s Blog Favorite Quote: “The bottom line is I have been really busy. Busy with our investments here at Benchmark, and busy with three growing kids at home.  But in the end, I am quite fond of writing, and I have been inspired by some of the great writing of others.” June 30, 2008: Bleak VC Quarter? Why? (Link) Summary: June 2008 marked another dreary quarter for venture capital. Not one single VC-backed company went public. At first glance, this seems bad for venture capital. But looking deeper, it’s not venture capital that’s the issue. It’s the public market. Between regulations and SOX costs, small companies are opting to remain private at record numbers. As Gurley notes, fund managers want high growth and capital appreciation. But these small growth companies don’t want the issues of being a public company.  Favorite Quote: “This passionate desire to be public is completely gone in Silicon Valley. For reasons you could easily list – Sarbanes Oxley; 12b1 trading rules; shareholder litigation; option pricing scandals; personal liability on 10-Q filing signatures – it is simply not much fun being a public executive.” July 22, 2008: BAILOUT What? (Link) Summary: Fascinating how relevant this quote is for 2020. What we’ve seen from the US government during the COVID pandemic is a double-downed effort on its bailout precautions. Even going so far as to buy bond ETFs on the open market! Capitalism requires failure. It requires weak businesses to fall by the wayside in exchange for stronger competitors.  Favorite Quote: “Is our government really going to bail out equity investors in a failed business enterprise? I totally get keeping America afloat, but it is critical that failed businesses FAIL. They must FAIL. You can’t provide band-aids to equity failure. The whole system will come to a halt. Risk that pans out must result in failure. it is a crucial part of the system.” December 1, 2008: Benchmark Capital: Open For Business (Link) Summary: Gurley and the Benchmark team continued investing while the rest of their VC peers cowered in fear during the bowels of the Great Recession. Investing when others are fearful is not only a sign of a great VC firm, but any great company.  Favorite Quote: “I can’t speak for other firms, but make no mistake about…Benchmark Capital is wide open for business and we are eager to invest new capital behind great entrepreneurs.  Right now.  In this environment.  Today. You may wonder why I feel the need to make this pronouncement, and you may even consider this a stunt.  It is not.   We have made fourteen new investments this year, and are actively considering new investments each and every day.” December 5, 2008: Do VCs Help In Building A Technology Platform; Part 2 (Link) Summary: Microsoft offers three years of free software/service to startups. This is a clear signal that Microsoft understands the power of platforms and where companies choose to build their products. Otherwise, as Gurley notes, why offer it for free? This comes on the heels of three new cloud platform technologies entering the space: Facebook, Salesforce and Amazon AWS. VCs may not choose which platform wins, but they choose which platform gets capital. And to some, that’s the same thing.  Favorite Quote: “It obviously would be overstating it to suggest that VCs help “choose” the platform that wins. That said, it is a powerfully positive indicator if VCs show confidence in a new platform by shifting where they deploy their capital.” Years: 2009 – 2011 February 1, 2009: Google Stock Option Repricing: Get Over It (Link) Summary: Retail investors, bloggers, and financial pundits argued that Google’s Stock Options Repricing hurt the “common” shareholder. Gurley thinks stock options shouldn’t matter because common shareholders gave up their rights (more or less) when investing in Google shares. The fact is, Google’s founder and original shareholder shares carry 9/10ths voting power. That means minority (aka second-class citizen) shareholders get 1/10th. In other words, deal with it.  Favorite Quote: “So my reaction to anyone who owns Google stock and is sore over this decision — Get Over It.  You bought a stock where you gave up the ability to vote on such things, and if you don’t like it, sell the stock.  But you have no right to complain, as the rules were laid out from the beginning.” February 11, 2009: Picture Proof Of The Innovator’s Dilemma: SlideRocket (Link) Summary: With a team of 3 engineers and a fraction of Microsoft’s budget, SlideRocket created (arguably) a better version of PowerPoint. According to Gurley, SlideRocket is a perfect example of the Innovator’s Dilemma. PowerPoint took (probably) billions of dollars in R&D and thousands of engineers to create. SlideRocket did it with 4 orders of magnitude less resources.  Favorite Quote: “One subtlety of this is that it allows others to catch up and basically recreate the same thing for a fraction of the cost.   In SlideRocket’s case, it appears that a team of 3 engineers with primary work done by the founder, have recreated PowerPoint (leveraging Flex of course).”  February 18, 2009: Just Say No To A VC Bailout: A Green Government Venture Fund Is A Flawed Idea (Link) Summary: Some VC investors wanted a bailout from the government during the GFC. Gurley originally thought this was a far-cry from a lone complainer. Then he read an article by Thomas Friedman suggesting the same thing: a bailout for VC targeted at green-tech companies. According to Gurley, VC bailouts are flawed for six reasons: There are no lack of capital in VC VCs don’t deserve a bailout Those that need bailout are (likely) bad ideas Excess capital hurts markets Good companies don’t lack for capital Use customer subsidies instead of government-backed VC investment Favorite Quote: “Great ideas have never suffered from a lack of capital availability.  Bringing extra government dollars to the investment side will only ensure that marginal and sub-par companies get more funding dollars, which historically has had a perverse and negative effect on the overall market.” February 22, 2009: Just Say No To A VC Bailout – Part 2 (Link) Summary: Continuing the rant from the previous blog post, Gurley hits on three main criticisms with Friedman’s cry for a VC bailout. First, Friedman suggested that the US Treasury give the Top 20 VC firms up to $1B to “invest in the best VC ideas”. When you consider the 2% annual fee each year that VC’s take, you’re effectively giving these firms an additional $4B in partners’ fees. Finally, Gurley hammers home the idea that to win in green-tech you need to incentivize the customer on the demand side. Create a positive ROI proposition for the customer to use the product or service.  Favorite Quote: “The key is to create an ROI positive investment for the end customer through subsidies.  Ethanol isn’t falling to succeed because of a lack of capital — it’s a problem with customer ROI.  Invest through subsidies in making the market huge and ROI positive.  Capital alone will not solve the problem as the ethanol case proves.” February 27, 2009: Perfect Online Video Advertising Model: Choose Your Advertiser (Link) Summary: Gurley reveals his “perfect online video advertising model” in which consumers can choose their advertiser. It works like this. Before an online premium or VOD show starts, the content creators present the consumer with a list of 4-9 sponsors for the programming. Then, the consumer picks which sponsor they’d like to see when the inevitable ad runs during their program. The benefit to this is that content creators would know their customers’ interests to the tee, which would allow them to raise prices on advertising channels (read: higher revenue).  Favorite Quote: “Just because I am a male between 18-24 and watching “Lost” doesn’t mean I want an XBOX.  You are more likely to guess that i might want it, but you would be 10X better off if I chose XBOX as my sponsor at the start of the show.  Then you would KNOW I have an interest — no more guessing. Making predictions is always a dangerous game, but I am fairly certain that this will be the video ad model of the future.  It makes way too much sense not to work.” March 2, 2009: Looking For Work: Are You An Insurance Agent? (Link) Summary: One of Gurley’s investments had an unusual circumstance during the GFC: they had excess demand for work. LiveOps, a virtual SaaS call center on the cloud, leverages a network of work-from-home call center operators. At the time of writing, LiveOps had 20,000+ live call-center agents working from home assisting companies like Aegon, Colonial Penn, and American Idol.  Favorite Quote: “Their core technology is a SAAS “contact center in cloud.” Just like anyone’s call center, it is a four-9’s operation that is highly resilient. What’s different, and very unique, is that the agents on the other end don’t actually work for LiveOps – they work for themselves. So far, over 20,000 “crowd-sourced” agents are now working from home on behalf of LiveOps customers – companies like Aegon, Colonial Penn, etc. One really cool customer example is American Idol. For Idol Gives Back, AI’s charity campaign, over 4000 LiveOps agents handled over 200,000 calls in less than five hours. Only a crowd-sourced play could handle such a ramp.” March 9, 2009: How To Monetize A Social Network: MySpace And Facebook Should Follow TenCent (Link) Summary: Social networks had trouble monetizing their websites. MySpace and Facebook failed to generate revenue like Yahoo, which did $7B at the time of writing. The problem wasn’t growing the userbase (both sites had tremendous user growth). It was the dependence on advertising to generate the lion’s share of their revenues. Gurley compares MySpace and Facebook to Tencent (700.HK). The two primary drivers of revenue for Tencent are digital items and casual game packages and upgrades. These are significantly higher-margin businesses than advertising. At the end of the day, social networks are social status symbols. This means if you want to leverage your business, you need to provide users with ways to improve their social status. Favorite Quote: “If you removed the Chanel logo from them, and offered them for $50 cheaper, you could not sell a pair.  Not one.  Why?  People are buying an image that they want to project about themselves.  Without the logo, they fail to make that statement.  The same is true for watches, clothes, cars, sodas, beers, cell phones, and many more items.  People care greatly about how they are perceived and are willing to part with big bucks to achieve it.  Digital items are merely the same phenomenon online.” March 26, 2009: Note To Timothy Geithner: Do Startups & Venture Capitalists Really Need More Regulation? (Link) Summary: The US government levied Sarbanes-Oxley on all public companies after the whole Enron, WorldCom saga. The purpose? Protect investors from future frauds. While the efficacy of “Sarbox” remains in question, one thing doesn’t: the cost on small public companies. Sarbox costs ~$2-$3M to implement. This makes it nearly impossible for small companies to go public because the Sarbox costs eat away all potential operating profits. Overburdening small companies could restrict the pipeline of new public IPOs.  Favorite Quote: “And remember that the largest companies in America that were created in the last 35 years (MSFT, GOOG, AAPL, CSCO, INTC) were all small venture-backed companies at one point in time.  Do we really want to inappropriately restrain or throttle the future pipeline of such companies in America?” May 2, 2009: Swine Flu: Overreaction More Costly Than The Virus Itself? (Link) Summary: It’s amazing how relevant this blog post became during the COVID-19 pandemic. Gurley suggests that in some cases, overreacting to news (like swine flu) can have far worse consequences than the natural course of the virus itself. For example, Mexico’s economy teetering on the brink of insolvency as tourism represents a third of their economy. The argument for overreacting is that it prepares people for the worst-case scenario. Yet that decision has consequences. Consequences we can’t see, and might not see for a long time.  Favorite Quote: “Some people rationalize that this hysteria serves a noble purpose, in that it prepares us for the worse.  This, however, ignores the fact that there are tremendous real economic costs to overreaction, and that sometimes overreaction has far-reaching negative impacts which can be many times greater than that of the original problem.” May 8, 2009: Second Life: Second Most Played PC Title, #1 In Minutes/User (Link) Summary: Gurley’s investment in Linden Lab paid off big time in May 2009 when Linden’s hit game Second Life ranked as the #2 most-played PC title. The game trailed World of Warcraft in number of users, but ranked first in number of minutes played per user. Data like this further reiterates Gurley’s earlier claims that selling goods online (digital signs of social status) can make for a great business. It also shows people love distracting themselves from their everyday lives.  Favorite Quote: “The truth of the matter is that the company is quite large, it’s growing, it’s profitable,  it has hired a number of great people over this time frame, and as the data shows it’s kicking butt. Note that the data also shows SecondLife actually leads WOW in terms of minutes played per user.”   May 10, 2009: Bill Gurley’s Online Video Market Snapshot (Link) Summary: Gurley did an on Hollywood talk about the massive changes in the Online Video Market. The link has an 18-minute video where Gurley outlines five things that matter in the coming online video market battle:  Great content is super expensive Affiliate fees are a “huge fucking deal”  The Netflix Business model is widely misunderstood HBO and the NFL are incredibly well-positioned companies Wireless will not save the day  Favorite Quote: I didn’t have a favorite quote from this post as it was mainly a link to the video and slide deck. I highly recommend watching the video and scanning through the deck. It’s 18 minutes long but you can watch at 1.5-2x speed without issue.  Tyler Durden Sun, 06/19/2022 - 17:30.....»»

Category: blogSource: zerohedgeJun 19th, 2022

"Red Wave" Becoming More Likely In Eyes Of Political Forecasters

'Red Wave' Becoming More Likely In Eyes Of Political Forecasters Authored by Nanette Holt via The Epoch Times (emphasis ours), Election forecasters changed their predictions on June 15 on the expected outcomes of four November midterm elections. Sen. Mike Lee (R-Utah) walks on Capitol Hill in a file image. (Anna Moneymaker/Getty Images) They based those decisions partly on the way voters in four states cast ballots the day before. The changes signaled expectations of improved chances for victory for Republicans in two Texas congressional races and Vermont’s gubernatorial race. Only one revised prediction showed diminished confidence in a Republican’s chances to win in the fall. That slight downgrade was aimed at the ability of incumbent Sen. Mike Lee (R-Utah) to hang on to his seat in the U.S. Senate. But Lee is still expected to prevail. The tweaked predictions about the upcoming fall Election Day come after voters waited in line on June 14 for a South Texas special election and for primaries across Maine, Nevada, North Dakota, and South Carolina. Nevada Congressional District 4 Republican candidate Sam Peters and supporters call on voters at the Centennial Center in Centennial Hills north of Las Vegas to vote for him in Nevada’s June 14, 2022, primary. (John Haughey/The Epoch Times) “In the aftermath of these contests, we’re making 4 rating changes, although 2 of them are in states that didn’t have elections on Tuesday,” the editors of Sabato’s Crystal Ball announced on June 15. Crystal Ball pundits nudged their prediction that the November winner in the 34th Congressional District in Texas would be “Likely Democratic.” Previously, they had said that the race “Leans Democratic.” The change means that they now expect the race to be closer than they originally predicted. It’s an unusual contest because of the circumstances. On June 14, Mexican-born Republican Mayra Flores won a special election in the district for the seat vacated by a Democrat who resigned to take a job at a Washington law and lobbying firm. Flores bested Democrat Dan Sanchez, winning 51 percent of the vote to his 43 percent. Her victory flipped the heavily Hispanic district. Crystal Ball had predicted her victory correctly with the rating “Leans Republican.” And even Elon Musk wrote on Twitter: “I voted for Mayra Flores—first time I ever voted Republican. Massive red wave in 2022.” An unusually low number of voters—about 29,000—cast votes in the Texas race. The midterm election four years ago brought out about 143,000 voters. But the win only secures the spot for Flores until the fall. Mayra Flores (C) speaks to supporters after winning the Texas 34th Congressional District special election in San Benito, Texas, on June 14, 2022. (Bobby Sanchez for The Epoch Times) On Nov. 8, she must face Rep. Vicente Gonzalez (D-Texas), who currently represents Texas’s 15th Congressional District. Redistricting put the home of Gonzalez, a moderate Democrat, within the boundaries of the newly-drawn District 34. So the fall Flores–Gonzalez match-up pits incumbent against incumbent in an area won by Joe Biden in 2020. “Based on that, the poor environment for Democrats, and the encouraging performance for Republicans in Tuesday night’s special election [win by Flores], we’re going to shift the rating,” Crystal Ball editors wrote. The move shows increased confidence in Flores’s ability to put Gonzalez on the ropes, but the editors still predict that the Democrat holds the advantage. Partly because of Flores’s strong performance on June 14, analysts with Crystal Ball also switched their prediction for the race to win the District 15 seat being vacated by Gonzales. The fall contest had been listed as “Leans Republican,” but was changed on June 15 to a stronger, “Likely Republican” prediction. Analysts with Cook Political Report and Inside Elections have also predicted that the Republican candidate, Monica De La Cruz, will dominate. There are no incumbents in the District 15 race. “We see this as a clearer GOP pickup in the fall,” Crystal Ball analysts wrote. That’s partly because midterm elections usually don’t favor the president’s party in open-seat districts that didn’t vote for him in the previous presidential election. And Flores’s victory is “just another piece of evidence that we’re headed for a typical midterm election in which the president’s party is punished by voters,” wrote analyst Nathan Gonzales of Inside Elections. That matters because all 435 seats in the U.S. House of Representatives are up for reelection on Nov. 8. Currently, there are 209 Republicans, 220 Democrats, and six vacancies in that chamber of Congress. To hold onto control of the House, Democrats can have a net loss of only two seats. The U.S. Capitol on March 8, 2021. (Erin Scott/Reuters) In the U.S. Senate, 34 of the 100 seats are on the ballot. Democrats currently control that chamber as well, even though there are 50 Republican senators and only 48 Democrats. That’s because two independent senators caucus with the Democrats and Vice President Kamala Harris casts tie-breaking votes. If they don’t lose any seats, adding just one more would allow Republicans to recapture control of the Senate. Inside Elections predicts that the Republicans will score a net gain of one to three seats, tipping the balance of power back into the hands of Republicans in the fall. Even so, Crystal Ball analysts downgraded confidence in Lee’s ability to hang on to his Senate seat representing Utah, moving him out of the “Safe Republican” category. They say the race now is only “Likely” to be held by the Republican incumbent. Lee still “remains clearly favored,” Crystal Ball’s editors wrote. But he faces a “high-profile challenger in 2016 presidential candidate Evan McMullin, an independent.” McMullin had been a Republican, but left the party in 2016 and became an option for anti-Trump conservatives when he ran for president. Lee will likely leave his two primary challengers in the Utah dust on June 28, politics watchers agree. But the race is considered competitive because McMullin earned the endorsement from the Utah Democratic Party, which could prove valuable. Also, the state’s other senator, Republican Mitt Romney, dealt Lee a blow by withholding an endorsement for his Republican colleague. Sen. Mitt Romney (R-Utah) walks through the Senate subway during a vote on Capitol Hill on Feb. 16, 2022. (Anna Moneymaker/Getty Images) Although they still expect Lee to come out on top, Crystal Ball editors downgraded his chances of victory slightly on June 15. “The Lee–McMullin contest seems to have a little more intrigue than your average Safe Republican Senate race,” they wrote. There was better news for incumbent Vermont Gov. Phil Scott, a Republican. Crystal Ball pundits showed increased confidence in his victory by upgrading their predicted outcome for his fall election from a “Likely Republican” win. They now consider Scott to be a “Safe Republican.” Although Vermont is “one of the most Democratic states in the country,” Crystal Ball analysts said that “Scott often ranks among the country’s most popular state executives.” He has irked Republicans by signing legislation to tighten Vermont’s gun laws and aligned more closely with Democrats on COVID-19 measures. But if Scott gets past a challenge from two other candidates in the state’s Aug. 9 primary, forecasters at Crystal Ball wrote, “We would not be surprised if he cleared 60% in the general election—as he did in 2020. Vermont voters have not ousted an incumbent governor since 1962.” Tyler Durden Fri, 06/17/2022 - 17:00.....»»

Category: worldSource: nytJun 17th, 2022

The Bill Gurley Chronicles: Part I

The Bill Gurley Chronicles: Part I By Alex of the Macro Ops Substack What if there was a way to distill all the knowledge that someone’s written over the last 25 years into one, easy-to-read document? And what if that person was a famous venture capital investor known for betting big on companies like Uber, Snapchat, Twitter, Discord, Dropbox, Instagram, and Zillow (to name a few)?  Well, that’s what I’ve done with Bill Gurley’s blog Above The Crowd.  Gurley is a legendary venture capital investor and partner at Benchmark Capital. His blog oozes valuable insights on VC investing, valuations, growth, and marketplace businesses.  This document is a one-stop-shop summary of every blog post Gurley’s ever written.  Here’s how it’ll look. Each summary will contain the following:  Date, title, and link to blog post One paragraph summary My favorite quote This piece allows anyone to absorb all of Gurley’s knowledge bombs in the fraction of the time it took me to do it. I hope this piece brings you as much value as it did to me.  Let’s get after it. Years: 1996 -1999 October 21, 1996: Backhoes Don’t Obey Moore’s Law: A Story Of Convergence (Link) Summary: The backhoe improved at an annual rate of 4.4%, falling short of Moore’s Law equivalent improvement of 59.7%. Computers are dependent on telecom to deliver the internet. But telecom is dependent on Moore’s Law failing-backhoes. This means we’re building computer-centric solutions to Internet-based problems without addressing the core problem: laying fiber cables with obsolete backhoes.  Favorite Quote: “Backhoe dependency is really just the simple side of our message. It is our impression that the majority of the players in the computer industry bring a “computer centric viewpoint” (CCV) when analyzing the issues that exist with the Internet. This computer-centric view could prove hazardous. Not only will it lead to disappointed expectations, but it may also lead to a less than accurate vision of the future.” April 20, 1998: How To Succeed In Advertising (Link) Summary: There are three reasons why success-based advertising wins the day on the internet:  Customers want it: Advertisers can quickly see if their programs work and easily predict margins using COGS + “bounty fee” model Solves excess inventory problems: The best way to reduce inventory is through direct-selling, success-based advertising (think 1-800 ads on cable TV) Unsold Ad-Space on Internet: As internet population increases, it reduces the CPM per pageview. This causes an inventory glut of internet space and a perfect place for performance-based ads Also, you can use a DCF to find the LTV of a customer. It’s simply: $ in FCF per customer/year divided by the discount rate.  Favorite Quote: “The lifetime value of the customer is equal to the future cash flows (not revenue!) expected over the life cycle of the customer, discounted back by a reasonable discount rate. What we are really doing is treating the customer acquisition as an investment and the lifetime cash flows of the customer as the yield on that investment.” May 5, 1998: Standards: Open For Business (Link) Summary: Open standards is the idea that companies in an industry operate within a specified set of rules (or parameters). Think of printers and PCs. It makes sense for all PCs and printers to be compatible with one another. This reduces time to market for most products. The issue, however, arises when open standards are applied to tech-heavy businesses without distribution advantages. Software is a perfect example. Distribution is effortless, so the only way to gain an edge in open standards is through sales teams and technical support. And who has the lead in that? Large companies.  Favorite Quote: “Theoretically, you could have a better sales force or better service and support, but these are not typically assets that small innovative companies possess. This means that competing with a completely “open” strategy would offer very little room for differentiation, and there is almost a necessity to have some closed proprietary advantage. It is difficult to criticize companies for trying to innovate in a proprietary manner. After all, survival is instinctive.” August 17, 1998: Internet Investors: Beware Of The Proxy Valuation (Link)  Summary: Investors use proxy valuations to value companies without hard free cash flows (NOPAT – capex). Proxy valuations come in all shapes and sizes, including: P/Revenues, Market Cap / Subscriber, Market Cap / Unique Page View, etc. While proxy valuations are better than blindly picking stocks — it’s not the end goal. Businesses must generate cash flow to survive. This brings us to a few dangers of proxy valuations:  Symmetry Risk: Not all proxies are created equal (e.g., Price/Sub not the same as Price/Page View) Assumption Risk: A customer’s value changes. We can’t assume a company will generate $X from each customer over its lifetime Arbitrage Risk: Companies IPO based on # of customers, revenue stats or subscribers … not cash flows or profitability Favorite Quote: “Another reason to be skeptical of proxy valuations is arbitrage. If Wall Street comes to believe that customers, or visitors, or page views, or even revenues are uniquely valuable (regardless of profitability), than entrepreneurs are likely to rush to market with companies that can achieve these targets quite handily, but may have little chance at producing real value in terms of cash flow. With no focus on costs, it is easy to reach non-financial targets. This is the great thing about cash flow-based valuation, it’s hard to sweep costs under the rug.” October 16, 1998: The Continued Evolution Of Advertising Or How To Succeed In Advertising Part II (Link)  Summary: Traditional advertising is squeezed out of the value chain as ad buyers recognize the difference between pay-per-impression and pay-per-click through. Further, the invention of TiVO (recording shows & content) increased demand for a direct-to-consumer content delivery system. Ideas like pay-per-view TV were born from the idea that you can cut the middleman (networks & advertisers) and directly charge your customer.  Favorite Quote:  “While this is possible, it ignores the fact that the viewer now has a choice, and that these devices will allow the content provider to push content directly to the end-user, potentially on a pay-per-view basis. If the consumer is willing to pay $5 to watch Seinfeld commercial-free, why should they be denied?” July 12, 1999: The Rising Impact Of Open Source (Link)  Summary: There are six things to know about open source (OS) code. One, open source works. Two, OS can produce business-quality code. Three, OS business models are emerging. Four, OS is a tough competitor (hard to beat free!). Five, OS models are entering the content generation space. Six, OS may be as helpful as a defensive mechanism than an offensive weapon.  Favorite Quote: “Open source as a production model should be appreciated in the same light as Henry Ford’s assembly line or Demming’s Just-In-Time manufacturing process. By taking advantage of the electronic communication medium of the Internet as well as the distributed skills of its volunteers, the open-source community has uncovered a leveraged development methodology that is faster and produces more reliable code than traditional internal development. You can pan it, doubt it, or ignore it, but you are unlikely to stop it. Open source is here to stay.” October 18, 1999: The Rising Importance Of The Great Art Of Storytelling (Link) Summary: Storytelling is one of the most underappreciated business skills. Bill Gates admired a man (Craig McCaw) because he was able to convince investors to invest in a capital-heavy infrastructure business. McCaw created new (proxy) valuations to sell the story the company was trying to deliver. Storytelling also gets a bad rap because it’s associated with “hype” — overpromising and under delivering. Recognizing a good story from a bad one helps investors avoid dreams and invest in the future.  Favorite Quote: “As public market investors begin to evaluate younger and younger companies, their valuation tools become limited to subjective notions such as quality of the team and the uniqueness and boldness of the idea.  In other words, if there isn’t enough proof that a business already exists, then they must make a judgment as to whether one will.” Years: 2000 – 2002 March 6, 2000: The Most Powerful Internet Metric Of All (Link)  Summary: Conversion rate is the most important metric for internet-based companies. Why? Conversion rate captures total user engagement. It also boasts high leverage. Here’s the big idea: as conversion increases, revenue rises and marketing costs decline. There are five things that affect conversion rate: 1) user interface, 2) performance (slow v. fast), 3) convenience, 4) effective advertising and 5) word of mouth.  Favorite Quote: “Let’s assume you spend $10,000 to drive 5,000 people to your site, and your conversion rate is 2 percent. This means that 100 transactions cost you $10,000, or $100 per transaction. Now let’s assume your conversion rate rises to 4 percent. The same $10,000 buys you 200 transactions at a cost of $50 per transaction. An 8 percent rate gives you 400 transactions at a cost of $25 per transaction. As conversion rate goes up, revenue rises while marketing costs as a percentage of sales fall – that’s leverage.” April 17, 2000: Can Napster Be Stopped? NO! (Link) Summary: Napster paved the way for the free digital music we enjoy today. Here’s how. The software leveraged each user’s computer files and shared music freely between PC devices, not the internet. Napster’s popularity grew, and within six months the software had 9 million users. It took AOL 12 years to get to that figure. There are two important lessons from Napster: 1) the power of community-building and 2) information wants to be free. Connect those two lessons and you have an incredible community-based business.  Favorite Quote: “Remember that the amount of bits it takes to represent high-quality audio is finite. Until the past few years, the amount of space on a hard drive, as well as the bandwidth required to transfer an MP3 file, was prohibitive for widespread usage. However, both bandwidth and storage space are susceptible to Moore’s Law. This means that within six years, the amount of drive space or bandwidth needed to trade high-quality music will be unnoticeably negligible. Emailing an entire album of music to a friend will be no different than forwarding a Microsoft Word document today.” May 15, 2000: A Return To Demand-Driven Capital (Link) Summary: There is a huge difference between demand-driven and supply-driven start-ups. Demand-driven start-ups see an area of the market where a need doesn’t have a solution. Then, they create a company to fill that need. Supply-driven start-ups conceive companies on the idea that one day consumers will need their solutions to problems that might not exist yet. The intellectual satisfaction of creating solutions is more appealing than bottom-fishing for long-standing consumer problems. At the end of the day, it’s better to start (and invest in) demand-driven businesses.   Favorite Quote (emphasis mine): “I suspect what’s at work is that Plato-esque idea that creation is much more intellectually appealing than combing the earth for steadfast problems to solve. But keep this in mind: Even a sexy Internet company like eBay was born of demand instead of supply. Founder Pierre Omidyar’s girlfriend wanted a place to trade Pez dispensers online. The company rose after the market voted. I suspect that entrepreneurs and venture capitalists alike would be well-served to return to the boring, but perhaps more successful, world of demand-driven capitalism.” June 12, 2000: Like It Or Not, Every Startup Is Now Global (Link) Summary: The rising prevalence of start-up infrastructure overseas poses a threat to US-based start-up companies. US start-ups face two main threats: 1) imitation from overseas competitors and 2) expanding too quickly. Faced with growing competition, US companies might go global before establishing a solid footprint on their home turf. This has devastating consequences as they’ll burn more cash and lose focus on their core markets. There are three solutions: 1) Joint ventures, 2) acquisitions and 3) start-up your own global market. Favorite Quote: “Ironically, the same courage that leads a start-up to look overseas could cause failure if the company moves too quickly and aggressively or assumes it can get by without local partners. When considering such alternatives, it is important to keep one fact in mind: 50 percent of something is worth a lot more than 100 percent of nothing.” July 10, 2000: The End Of CPM (Link) Summary: Echoing Gurley’s 1998 article, 2000 saw the rise of performance-based advertising. The catalyst for such rapid adoption was the outflow of capital to money-losing internet companies. With tight budgets, companies needed ad campaigns that worked. The other catalyst is the proliferation of customer behavior data on company websites. Management can see exactly who is on their site, how long they stay, and if they convert.  Favorite Quote: “Of course, the biggest catalyst in the past 90 days has been the closing of the IPO market and the subsequent focus in the start-up world on profits and cost controls. This abrupt and refreshing change is a major accelerator that immediately tightens the belt of most Internet marketing departments and targets their spending on the most efficient forms of advertising they can find. Gone are the days when companies indiscriminately bought the “anchor tenancy” on the favorite portal just as a branding event.” February 19, 2001: The Next Big Thing: 802.11b? (Link) Summary: WiFi will revolutionize the way we conduct business and where we choose to interact online. While there are critics of the technology, there is no denying its potential to reach critical mass and spread nationwide. The real catalyst for WiFi’s adoption is the move from corporate offices to homes, then to public places like colleges.  Favorite Quote: “Like other dislocating technologies, Wi-Fi is now working its way from the office into the home. While home networks are still in their infancy, the benefits of a wireless architecture may be even higher than at the office. Who has the capability to rewire their whole house? And although less obvious, the interest in aesthetics at home heightens the benefit of not stringing wires halfway across the room. Also, as we integrate the home entertainment center with the PC, a wireless link is particularly appropriate. Lastly, what if I could carry my laptop home from work, lay it on the kitchen counter and be online instantly? You can today with Wi-Fi.” June 25, 2001: The Smartest Price War Ever (Link) Summary: Dell engaged in the smartest price war ever. Their business model, which focused on just-in-time inventory, resulted in positive cash-flows even under income statement compressions. Through five-day inventory, 59-day average payables and 30 days receivables, Dell generated a negative cash conversion cycle. This allowed them to cut prices while their competitors’ models couldn’t allow such maneuvers. Competitors were forced into a lose-lose situation (cut prices and lose margin or not participate and lose market share).  Favorite Quote: “Much has been written about Dell’s direct model, which removes the middleman, along with his margin, from the sales process. And others have noted that Dell’s incredible five days of inventory allow it to pass on component price declines faster than anyone else in the industry. But perhaps the unique aspect of Dell’s business advantage is its negative cash conversion cycle. Because it keeps only five days of inventories, manages receivables to 30 days, and pushes payables out to 59 days, the Dell model will generate cash—even if the company were to report no profit whatsoever.” August 13, 2001: Bye, Bye, Bluetooth (Link)  Summary: WiFi will eliminate the need for Bluetooth. In its simplest explanation, WiFi works for the internet model whereas Bluetooth works for walkie-talkies. That’s a huge difference. It also shows the power of companies that can quickly cut products/ideas that fail despite tremendous sunken-costs. Bluetooth was a three-year push designed to revolutionize the way computers and devices interacted. Then WiFi came along. Those that quit Bluetooth early not only had a head start on their stubborn competition, they also saved thousands in wasted R&D.  Favorite Quote: “Even without competition from Wi-Fi, Bluetooth would have major challenges. That’s because the very concept of a cable replacement like Bluetooth is flawed. In a world where every device is connected to a single network (read: Internet), there is no need to connect individual devices on an ad hoc basis. Consider this – a walkie-talkie is a device that supports communication directly between two nodes. A cell phone is a device that supports communications between “any” two nodes because they are all connected to a common network and they all have unique addresses. Blue-tooth is to a walkie-talkie whereas 802.11 connected to the Internet is more analogous to the cell-phone model.” October 1, 2001: Tapping The Internet (Link) Summary: After the terrorist attacks on 9/11, many government officials sprang forward, calling for increased surveillance and backdoors on many privacy networks. The main argument was that these terrorists had access to high level technology and software. The reality was less cinematic. Osama Bin Laden used Steganography to spread information amongst his followers. Unfortunately for senators, Steganography uses every day files like images to transmit messages. So it’s not as simple as allowing backdoor access to private channels.  Favorite Quote: “The government should not give up on computer surveillance. In fact, as a tool that is used to track down a particular offender after isolation and identification, these technologies can be extremely effective. However, we should not be unrealistic about what type of “magic” spy technologies are at our disposal. We are only going to spend a lot of money, waste a lot of time, and create a false sense of security.” October 29, 2001: When It Comes To Pricing Software, The Greener Grass Is Hard To Find (Link)  Summary: The internet allowed software companies to price their product as a subscription service (SaaS) right when companies were facing hardship. The SaaS model eliminates the high-dollar upfront sales pitch and allows the company to generate predictable revenue during the year. However, stretching revenues over months (not upfront) increases short-term operating losses. Those that can withstand the short-term negativity should reap the long-term rewards of the SaaS model.  Favorite Quote: “About this same time, the rise of the Internet gave birth to the idea of an ASP – a model where software would be delivered as a service over the web, and customers would “subscribe” to the software. Analysts raved at the genius of the idea. With this model, the customer would pay an incremental fee each month, therefore eliminating the “start from zero” sales game inherent in the software model. Assuming no loss of customers, the revenue from last quarter is already booked for this quarter – all new sales theoretically represent incremental growth.” April 3, 2002: It’s Time To Put A Stop To Spam (Link) Summary: Hackers and spammers always find a way to exploit new technology. Spammers were so bad in 2002 that Gurley had to write about it. The problem lies in time spent deleting spam messages. Time that should garner more productive activities like business. This creates incentives for start-ups to solve such problems. But, the biggest risk facing these spam software companies is a false positive. False positives could delete an email that was legit — potentially costing companies millions in lost revenues.  Favorite Quote: “Email is fast becoming the preferred communication medium for many corporations. Moreover, email is also the baseline for many new cross-company workflow applications. We simply cannot allow a bunch of Viagra ads to put a dent in the evolution of the global economy.” Years: 2003 – 2005 January 6, 2003: 802.11 & Cellular: Competitor Or Complement? (Link) Summary: Gurley explains that WiFi is to 3G as the personal computer was to the mainframe. By understanding the mainframe/personal computing industry, you could “see” the future of WiFi and cellular data. No-one envisioned personal computers operating hundreds of websites or ERP systems. Yet technologists built products on top of the standardized mainframe. WiFi is no different. At the time, a ~$30 WiFi radio and a Pringles can could get you high-speed connectivity at a 10 mile distance. To Gurley, WiFi and cellular data are complementary. Like chips and salsa, with WiFi stealing incremental market opportunities over time.  Favorite Quote: “This exact thing is currently happening with 802.11. This tiny, and increasingly inexpensive radio is already shockingly versatile. The same $30 radio can be used to serve wireless connectivity in your office, connect both you PCs and your multimedia in your home, and provide coverage to a police force across an entire downtown area. Add a Pringles can as a directional antenna (no kidding!), and this $30 radio is capable of providing high-speed line-of-sight connectivity at a distance of 10 miles. In fact, the majority of the volume in the line-of-sight fixed wireless market has shifted almost entirely to low-cost 802.11 radios.” February 10, 2003: Software In A Box: The Comeback Of The Hardware Based Business Model (Link) Summary: Software companies might pitch their product inside a hardware offering, going against conventional Silicon-Valley logic. Gurley notes that while pure software businesses generate higher margins with lower capital intensity, it comes at a cost: software-only business models are harder to execute. Gurley saw the software-in-a-box path as the easier option because it addressed seven key issues:  Development complexity/Quality Assurance Performance Security Provisioning Reliability/Stability/Customer Service Pricing Distribution Favorite Quote: “There is a silver lining. The industry has changed in ways that improve the “business model” elements of selling hardware. The key driver is the standardization and general availability of hardware components, particularly those used in generic Intel-based 1U servers. As a result, the hardware is not a proprietary design, but rather a type of packaging. Think of it as an alternative to a cardboard box.” March 18, 2003: Pay Attention To BPM (Link) Summary: Business Process Management, or BPM, will change all of business. Gurley was so excited about BPM because it solved four main sticking points in an enterprise’s day-to-day process:  Codifying current processes Automating execution Monitoring current performance Making on-the-fly changes to improve current processes For the first time, employees could “hand off” applications to other employees inside the firm. This allowed for faster improvement and implementation of better processes throughout the organization.  Favorite Quote: “Of course, the real winners here will be customers that embrace BPM to further automate, enhance, streamline, and optimize their core business processes. These processes are the core intellectual property of most businesses. And just as the level of competition in manufacturing increased with JIT, the level of competition with respect to non-manufacturing business processes will increase with BPM. Companies that lead will succeed.” April 23, 2003: Dot-Com Double Take (Link) Summary: Many investors threw all “Internet Based” businesses out with the bathwater during the Dot-Com bubble. According to Gurley, that was clearly the wrong approach. Underneath the grime of pump-and-dump schemes, the Dot-com Bubble created durable, profitable businesses (like AMZN, GOOGL, Verisign, etc.).  Gurley saw four reasons why these left-for-dead Internet companies worked:  They weren’t bad ideas. Rationality set in first.  Quick capacity reduction.  Internet usage growth is systematic, not cyclical.  Favorite Quote: “Consumer spending may be down 5%, but online spending is still such a small percentage of overall consumer spending that growth results from the continued increase in online usage. With IT expenditures already at 50% of corporate capital expenditures, the opposite is true for traditional information technology spending.” June 10, 2003: In Search Of The Perfect Business Model: Increasing Marginal Utility (Link) Summary: Increased marginal utility (IMU) is the holy grail of capitalism. It’s also easier than ever to attempt IMU in our internet-based world. IMU means that for each incremental time a customer uses your product/service, they receive more value than the previous time they used it. You don’t need switching costs in an increasing marginal utility ecosystem. Why? Because switching costs lock in a customer in an “I win, you lose” scenario. In an IMU world, the customer feels left out if they don’t use your product or service. The goal: find companies that produce increased marginal utility for their customers.  Favorite Quote: “This may be the nirvana of capitalism – increased marginal customer utility. Imagine the customer finding more value with each incremental use. Some may suggest that this concept already exists in the form of volume discounts. However, this offers a vendor no real competitive advantage, as all of its competitors are likely to offer the same discount to large purchasers. Others may feel this is just a buffed-up version of “high switching costs.” On the contrary, increased marginal customer utility preempts the need to impose switching costs, which can be seen as “trapping” or “tricking” the customer. Instead, the customer who abandons increasing marginal customer utility would experience ‘switching loss.’” July 16, 2003: The Comeback Of The Mobile Internet (Link)  Summary: Mobile internet flourished thanks to the growth in cell phones. With cell phones, billions of people could access the internet, purchase items, and engage in content. In fact, cell phones will dominate the war against PCs. There are a few reasons Gurley believes this claim. First, cell phones are everywhere. Billions of people have them. Second, they’re portable, allowing users to kill time on apps and games. Third, people are more likely to purchase over the internet on their phones. Finally, IP addresses make it easy for billions of users to connect simultaneously.  Favorite Quote: “While a more carrier-friendly split may be good for the carrier’s bottom line, it could drive content providers to more generous carriers, rendering the greedy carriers’ offerings less attractive to users. Interestingly, one of the most successful content platforms, Japan’s DoCoMo service, is built around an extremely generous 91%-9% split, which is more favorable than all U.S. and European carriers’ current deals. The carriers are all walking a fine line between driving revenues and creating a viable ecosystem to encourage publishers to invest in content.” August 23, 2003: Much Ado About Options (Link) Summary: People worry too much about stock options and their impact on bottom-line earnings. Yes, there are certain instances where stock options balloon to large percentages of pre-tax earnings. But those are few and far between. Also, it doesn’t really matter whether a company grants options or restricted stock. Both offer employees skin in the game, and both cost the company roughly equal equity. That said, restricted stock incentivizes value retention. Whereas options incentivize value creation.  Favorite Quote: “In addition, restricted stock grants could encourage a form of widespread corporate conservatism. If an executive is granted $2MM worth of stock, he or she might have incentive to help increase the price to say $2.3MM, or 15%. That said, the incremental $300K is peanuts when it comes to protecting the value of the $2MM already on the table. There is a huge difference between corporate sustainability and corporate value creation. GM traded at $38 per share in 1994, and since it is $38 per share today, it has “sustained” value for the past nine years. Is this the type of behavior we hope to encourage?” October 7, 2003: Beware The Digital Hand (Link)  Summary: Digitization is great for consumers, but awful for consumer electronics producers. Semiconductors make electronics faster, cheaper and more powerful. Who reaps the rewards? The semiconductor industry. That’s where differentiation happens. Consumer electronics (CE) companies commoditize, forced to differentiate another way: supply chain. The CE leaders will be the ones with the shortest distance between their product and the customer.  Favorite Quote: “Digitization is creeping its way across the entire consumer electronics industry, as we slowly remove analog media and components from our lives. While this is good news for consumers who benefit from the low prices that the digital hand ensures, the quid pro quo for businesses is brutal competition.” December 18, 2003: Cleaning Up After The Ninth Circuit In An Attempt To Save The Internet (Link)  Summary: A regulated internet disproportionately hurts these four groups: consumers, IT businesses, American competitiveness, and RBOCs. Regulation hurts consumers in the form of higher prices to compensate for increased taxes. IT businesses hurt because if you slow the speed of internet adoption, you remove the runway for the IT industry. This translates into competitiveness issues as places like South Korea see 60%+ internet adoption. Finally, RBOC’s hurt because it would be a repeat of DSL regulations, which slashed growth and prompted the switch to cable modems.  Favorite Quote: “We should all know by now that rather than increasing competition, regulation typically reinforces monopolies and oligopolies. Startups will not and cannot prevail in heavily regulated industries. They lack the required resources and capital to manage fifty different utility commissions on a hundred different regulatory issues. For this same reason, you will never see a startup deliver an automobile in the U.S. as the regulatory red tape swamps all efforts. Increased regulation will do nothing more than ensure that new competitors and innovative solutions are permanently locked out of the market.” * * * That’s about where Substack cuts us off! Stay tuned next week for the next part of our Bill Gurley Chronicles Series! Tyler Durden Sun, 06/12/2022 - 15:30.....»»

Category: blogSource: zerohedgeJun 12th, 2022

How to play multiplayer in Minecraft, using either a public server or one you create yourself

You can play Minecraft solo, but it's much more fun with friends. Here's how to play multiplayer in Minecraft: Java Edition. There are three ways to play multiplayer in Minecraft: Java Edition, two of which are free. You can join a public server, create your own, or purchase a Minecraft Realm. If your friends are on the same network, you can set up a LAN Minecraft server for local multiplayer. The simple yet limitless game of Minecraft has millions of players, so it's easy to find friends to play with. However, it's not always clear how to play multiplayer with your friends.How you play multiplayer Minecraft will vary depending on whether you have the newer, console-friendly Bedrock edition, or the classic Java edition. Whichever edition you have, you can only play with friends who have the same version.If that version is Java, there are few different ways to go about playing with your friends.Whether you feel up to the task of joining a public server or creating your own server (which is less scary than it sounds), want to host a local LAN server, or would prefer to use the paid "Realms" server-hosting option, hosting a multiplayer Minecraft game should only take a short time.Here's what you need to know.Quick tip: In order to play with others, you must all be playing the same version of Minecraft.How to play with friends on Minecraft: JavaServers are the basic building block of Minecraft's multiplayer mode. Anyone playing together will need to be on the same server.There are thousands of Minecraft servers already out there, which you and your friends can join to play together in moments — see the section below on how to join a friend's or a public server for more details. The only downside there is that you'll be sharing these servers with lots of other people you don't know.Minecraft servers can be massive.Jerma985/Twitch.tvIf you and your friends want to have a private game, you can create a Minecraft server for free. Just know that it takes some work, and whoever makes the server will need to have a good computer with a fast internet connection. If that doesn't fit your bill, check out one of the other options.Here's the steps you'll need to follow to either join an existing Minecraft: Java Edition server, or create your own multiplayer server.Join a server1. Launch Minecraft and select Multiplayer.Open the multiplayer menu.William Antonelli/Insider2. Click Add Server.3. In the Server Address box, enter the host server's address and click Done. This might be an IP address, or a URL.The server address might just be a website name.William Antonelli/Insider4. Wait for the server to connect, and when it appears in the list, select it and click Join Server.The server you connected to will appear at the top of the list.William Antonelli/InsiderCreate and join your own serverThe steps below describe how to set up a server on a Windows 10 PC. However, the steps should be similar, if not largely the same, for both Mac and Linux computers as well.1. Launch a web browser of your choice and navigate to minecraft.net/download. Scroll down and click Java Edition Server.Click the link beside the word "download."Kyle Wilson/Insider2. On the next page, find and download the Minecraft server software, putting it somewhere that you'll be able to find it. The file will have a .jar extension.Click the link beside the word “download”.Kyle Wilson/Insider3. Create a new folder on your computer and name it whatever you like, then place the .jar file you downloaded inside of it. This is where you'll keep all your server files.Make a folder to organize your server files.Emma Witman/Insider4. Next, you'll need to create a plain text document. Right-click in the folder and select New, then Text Document. Name the text document "start.txt."Make sure you select "Text Document," and not "Rich Text Format."Emma Witman/InsiderQuick tip: On a Mac, you can make a .txt document using the TextEdit application. In Linux, you can use the "cat" command in the terminal.5. Navigate back to the Minecraft server download webpage. Copy the command text, which reads:java -Xmx1024M -Xms1024M -jar minecraft_server.1.18.2.jar noguiNote that the numbers near the end will differ based on the most current version of Minecraft.Paste the string of command text into your start.txt document.Kyle Wilson/Insider6. Paste the string of command text into your start.txt document.7. Within the string of command text, you'll see the words "minecraft_server.1.18.2.jar." You'll need to rename that portion of the text "server.jar." That means that the new line of code will now read:java -Xmx1024M -Xms1024M -jar server.jar nogui8. You can also change the RAM allocation for your server in this line of code. The more RAM you give it, the smoother your server can run, but the more stress it'll put on the computer.9. The RAM is determined by the first two numbers in the line of code, which are amounts of RAM in megabytes (MB). By default, it's set to 1024MB of RAM, or one gigabyte (GB).A five or more player server should have at least 2GB of RAM allocated, for example, which you can set by changing the code to:java -Xmx2048M -Xms2048M -jar server.jar noguiQuick tip: Unlike with storage space, when it comes to RAM, one gigabyte equals 1,024 megabytes – not 1,000. As such, set the RAM amount in multiples of 1,024 megabytes.10. Click File, then "Save As…" and where you can select "Save as type" from a drop-down menu, select "All Files (*.*) and name the file "start.bat."You can change the format of a file using the "Save As…" command.Emma Witman/Insider11. Delete the "start.txt" file.12. Double click the "start.bat" file to run it, opening a black command prompt window that will close automatically when the .bat file is complete.13. You'll see some new items in the server folder, including a "eula.txt" document, short for "End User License Agreement." Open the document, and change the line of code that says "eula=false" to read "eula=true."You can't proceed with your server until you've "signed" the end user license agreement by setting it to "true."Emma Witman/Insider14. Run the start.bat file again. The wait will be longer than before, as your server's world is being generated this time.Be patient, as depending on your computer, creating your server may take several minutes.Emma Witman/InsiderTechnically, your server is ready to fire up now, and you'll also see a few new files in your server folder, including the "server.properties" file where you can customize your game. However, right now your server is only accessible to devices using the same internet connection as you. You'll have to set up port forwarding to open up your Minecraft server to users outside your local network.There's a few different ways to set up port forwarding, and instructions you'll need specific to your router can be found here. Once you've set it up, give your friends your IP address, and they'll be able to join.In the meantime, however, here's how you can start exploring your new server.1. Launch Minecraft while your server is open and running, and select Multiplayer.2. Select Add Server in the bottom-right corner.3. In the Server Address field, simply put the number "0" or the word "localhost".You can access your own server at any time.Emma Witman/InsiderUse a LAN serverThis method is perfect if you're trying to play with siblings, roommates, or just friends at the same house. LAN servers, also called local multiplayer servers, let you play together with anyone on the same Wi-Fi or ethernet network.Here's how to launch and join a local multiplayer game: 1. One of the players should launch a solo game world and enter the pause menu, where they'll select Open to LAN.You'll need to open up LAN connections.Emma Witman/Insider2. In the menu that opens, select the game mode and whether to allow cheats, then click Start LAN World.Enable LAN and start hosting a local world.Emma Witman/Insider3. The menu will then close, and the player will be shown a five-digit "port" number. Mark this number down. If it's disappeared, press T to open the chat box and find it again.Note the port number, as it disappears moments after appearing.Emma Witman/Insider4. The other player or players on the same network should launch their Minecraft, but rather than jump into a world, click the Multiplayer option from the main menu.5. Minecraft will automatically start scanning for games on the shared local network. Click Join Server when the right world appears.6. If it doesn't find the server, the players should click Direct Connection. In this menu, under Server Address, enter the IP address of the computer hosting the server, followed by a colon (:) and the five-digit port number.So for example, it might look like:168.212.226.204:587287. Click Join Server.If your game can't find the server, try a direct connection.Emma Witman/InsiderRead the original article on Business Insider.....»»

Category: topSource: businessinsiderJun 10th, 2022

Decades of sexual abuse of students at Rosemead High has left teens and parents feeling pain, anger and disgust

A law enforcement investigation, a student walkout, and alumni up in arms: Turmoil at a southern California high school after Insider's investigation of decades of sexual abuse at the hands of former teacher Eric Burgess. Rosemead High in southern California has been in a state of turmoil since Insider revealed decades of sexual abuse at the hands of former teacher Eric Burgess.(Christopher Vu for Insider)Rosemead High senior Xitlalic Palacios knew that she had to speak up. It had been two days since Insider published a story about Eric Burgess, her former journalism teacher, and she'd barely slept.For the past three years, Palacios had served as editor-in-chief of the student newspaper, which Burgess oversaw before school officials removed him from the classroom and investigated his sexual relationships with teenage girls. As Palacios prepared for what would be her final meeting as the sole student representative of the school board, she grappled with what to say. Many on campus were seething at the superintendent's response to the revelations, saying that the school was "dedicated to creating a safe, secure environment" for students. But Palacios wasn't sure if what she wanted to say – that she could relate to the survivors Burgess had abused because she could have become one herself – was what her peers or the adults charged with ensuring their safety at school needed to hear in this moment of crisis. So she kept that part to herself, just as she'd done so many times before.That didn't mean Palacios would stay silent, though. Far from it."My job has always been to serve the students. My job was never to correct the wrongs of grown adults," Palacios said at the May 18 meeting, filling a moment when school district officials expected her to thank them. "But I'm not sure I have much of a choice as I sit here with you today."Read more: He was my high school journalism teacher. Then I investigated his relationships with teenage girls.The tension in the room was palpable even through the meeting's livestream. Palacios thought of the 8,000 students she was speaking for in the El Monte Union High School District. She thought of her parents, who worried about the consequences that could meet their daughter for speaking out. And of her brother, who assured her that yes, she had to say what others were too afraid to acknowledge.Rosemead Senior Xitlalic Palacios delivers a searing statement during an emotional school board meeting in the wake of Insider's reporting.El Monte Union High School District/YouTube"I think the public is owed an explanation or an apology," Palacios said to the five adult school board members who sat beside her, silent. "I hope our district and my school campus – and any school campus at that – makes an effort to adequately combat these issues. I hope they genuinely work to create safety protocols. I hope our students' firsthand accounts are valued. I hope, I hope, I hope. But it shouldn't come down to hope. Because hope and luck isn't a saving grace. Hope and luck isn't what I or any student should be betting on. Our students deserve better, and I demand that you all do better. Because if this is your best, your best efforts haven't been good enough."Rosemead High's community has been in a state of turmoil since Insider detailed how former English teacher and one-time "Golden Boy" Eric Burgess groomed students for sex for decades. Despite student complaints and obvious red flags, school and district officials missed repeated opportunities to put a stop to Burgess' behavior. Rosemead's reckoning has taken a toll on students and faculty, interviews with 57 people connected to the school show, with a tense distrust dominating the final days of the school year.The Los Angeles Sheriff's Department has opened an investigation into Burgess' relationships with former students as well as possible abuse by other Rosemead High teachers, Sgt. Robert Leyba said. Leyba and another deputy assigned to Rosemead told Insider that the department was surprised to learn of Burgess' departure from the school by reading Insider's reporting, rather than hearing from school officials.Leyba said that district officials first contacted the sheriff's department in April 2019, when they opened their investigation of Burgess' sexual relationships with former students. At the time, district officials had no cooperating victims, so deputies instructed them to keep the department apprised of what they found.The Sheriff's Department never heard back from the district, Leyba said."For us to move forward with our special victims bureau, we have to have a victim," Leyba said. If former students come forward to the department now, he said, it could "open a lot of other things," including the possibility of criminal charges or civil suits being filed. In 2019, California extended the statute of limitations for cases of sexual abuse involving minors. Survivors now have until the age of 40 to file a civil lawsuit, or five years after the discovery of the abuse, whichever is later. The amended law also opened a three-year window for adults to file civil claims that were previously barred by the statute of limitations; that window closes December 31, 2022.Rosemead High School is in a state of turmoil.(Christopher Vu for Insider)Community members and alumni have called for Rosemead High School and district officials to resign in recent days. Back on campus, hundreds of Rosemead students walked out of class in protest, demanding that school officials take steps to ensure their safety. Anger among students boiled over last week, when two allegedly vandalized the Rosemead High campus—including the classroom door where Burgess was once caught having sex with a student who had graduated just weeks prior. Many students expected an apology from school officials in response to Insider's reporting, and were dismayed when they were told that staff had done all they could to address abusive behavior by teachers."They need to recognize what happened and not just send out these pathetic excuses," said junior Zachery Larson, who led the May 20 student walkout. "This is a problem and it can no longer be ignored. I hope they can at least acknowledge that by the end of the school year."The door to the classroom where Eric Burgess was once caught having sex with a student who'd graduated just weeks before was recently vandalized.(Insider)Larson and other students are scheduled to meet with Rosemead principal Brian Bristol on Friday to discuss allegations of misconduct against other teachers. The dark mood on campus has been punctuated in recent days with fresh allegations regarding a current Rosemead High teacher who has been absent from school; Bristol declined to comment.School staff, meanwhile, are openly questioning whether the school is doing enough to prevent the predatory grooming behavior that Burgess excelled at for so long. "We aren't doing enough to protect our kids," Rosemead High psychologist Alexi Adams told Insider, calling for more education and training of staff and students alike. "Kids can't protect themselves if they don't know what to look for. The groomers are so charismatic and charming that the kids do not know what is happening; they are easy victims."Rosemead High School sits just east of Los Angeles in the San Gabriel Valley.(Christopher Vu for Insider)As the campus community continues to search for answers, questions have intensified around Bristol's initial handling of an explosive whistleblower memo about Burgess' behavior.The document, which the principal received in April 2018, documented in stark detail sexual relationships that Burgess had had with female students going back 20 years. The memo included dates, ID numbers of students who were aware of Burgess' inappropriate behavior, and the names of five former students with whom he'd allegedly had sexual relationships.Bristol sat on the information for a year.It wasn't until the following spring, when screenshots of sexually explicit messages Burgess had exchanged with a former student were posted to social media, that Bristol took action and removed Burgess from the classroom. District officials then notified the Sheriff's Department.Felipe Ibarra, a former assistant superintendent who oversaw the district's investigation of Burgess, told Insider that Bristol initially "insisted he had provided me the memo via e-mail, however from a search of our email trails, it was clearly evident that he had not. He subsequently apologized and explained why he thought he had sent the memo."Ibarra said that the district's outside law firm, Olivarez Madruga Lemieux O'Neill, selected the private investigative firm that used the memo as a jumping off point for the district's probe. District officials were unaware of the numerous complaints that parents and staff in neighboring school districts had made regarding other investigations involving the firm, Nicole Miller & Associates, Ibarra said.Ibarra said investigators interviewed many of the students named in the memo, including Burgess' ex-wife, and that "none gave him up." Those closest to Burgess, Ibarra said, "protected him well."As Insider previously reported, it was Burgess's documented efforts to obstruct the district's investigation of his relationship with a former student, rather than the relationship itself, that cost him his job.Former Rosemead High English teacher Eric Burgess.(Insider)Neither Bristol nor Zuniga responded to detailed questions for this story, including why Zuniga claimed recently that school officials "promptly removed" Burgess from the classroom upon learning of his relationships with teenage girls.After he was forced out of Rosemead High in December 2019, Burgess went on to do recruiting work, ultimately landing a job with Meta (formerly known as Facebook), Insider has learned. The day after Insider's investigation was published, Burgess lost his job at Meta, multiple company employees confirmed; spokesman Joe Osborne declined to comment. Burgess didn't respond to requests for comment.The time it took for school officials to act on credible tips about Burgess — as well as the numerous other red flags about the teacher's behavior that were either ignored or not thoroughly investigated during his 20-year career — became a focal point of a student walk-out at Rosemead High last month.Rosemead High students walk out of class in a protest sparked by Insider's reporting.(Insider)"Enough is enough," a flier advertising the protest read. "Why did it take 20 years?" read one sign. "Sexual misconduct between students & teachers should NOT be normalized or ignored," read another.The week of the walkout, district officials diverted psychological services from other schools in the district to Rosemead High, internal emails reviewed by Insider show. Many longtime school employees said they'd never seen anything like it."These kids are tired of being dismissed," one longtime employee said, recalling how in the past when students have come forward with allegations of abuse, they were disregarded by administrators. "We need to heal as a school. So many kids are broken." A group of concerned alumni, meanwhile, are demanding that the district take steps to ensure more students aren't abused. They are drafting a petition to send to district officials, said Cynthia Amezcua, an alum who is organizing the effort."We are owed a meeting with Rosemead High administrators," said Amezcua, who urged officials to address Rosemead's culture of secrecy during an emotional public comment at the recent school board meeting. After listening to her and others call for accountability, a lawyer for the district ignored the remarks and read a prepared statement."It's nonsense for them to hide behind these legal counsel statements," Amezcua said. "They think that will get us to calm down, and that's not going to happen."Many at Rosemead High are seething at the response from school officials, who have not apologized or acknowledged any role in failing to put a stop to predatory behavior by former teachers.(Christopher Vu for Insider)Xitlalic Palacios was desperate to find community when she arrived at Rosemead High as a freshman in the fall of 2018. Most of her friends had gone to nearby El Monte High; the only people she knew at Rosemead were her older brother and Burgess, whom she'd met in summer school.Typically, freshmen aren't allowed to enroll in the student newspaper. But Burgess made an exception for Palacios, telling her to let her counselor know he'd given permission for her to join the staff, emails between Burgess and Palacios show.Palacios loved to write. In Burgess, she thought she'd found a mentor, both for journalism and for the academic decathlon team she hoped to join, which he'd led to numerous state competitions. Palacios remembers her first day in Burgess' classroom, her eyes scanning the trophies that lined his desk.Palacios pictured her name on one of them and claimed a seat in the front row, directly in front of her teacher's desk."He made me feel like I had a place where I belonged," Palacios told me.Even though she was the youngest member of the newspaper staff, Palacios recalled, Burgess would tell other students that she was the "best journalist here" and would be his editor-in-chief someday. Palacios remembers eavesdropping on a conversation Burgess had with the leader of the academic decathlon team.Palacios recalled that when he finished, Burgess fist-bumped the student and walked over to her desk, where he kneeled down — "uncomfortably close," she said — and explained that she would be spending a lot of time in his class over the next four years and she would need to make it a priority. Burgess urged her to consider dropping her other extracurricular activities, including the Associated Student Body and volunteer work, to make time for the newspaper and the academic decathlon team. When Palacios told him that her other activities were also important to her, Burgess said that his classes would help her "more.""His personality shifted based on who you were," Palacios said. "He could be really hard on students. But with me, I never got that experience. He never asked me questions that I couldn't answer."Like other students who grew close to Burgess, Palacios befriended his son, a child Burgess raised with a former student and who was a senior during Palacios' freshman year. When Burgess was pulled from the classroom the following spring, his son told Palacios what school officials still have never publicly acknowledged: Burgess became sexually involved with a female student weeks after she'd graduated."My first reaction was denial," Palacios said. "I thought, 'There's no way. This is someone I trust.'"The truth didn't register with Palacios until a classmate on the academic decathlon team told her that he'd personally seen the sexually explicit messages from Burgess to his student that kids had been gossiping about. The rumors about their teacher, he told Palacios, were true. "We were both at a loss," Palacios said. "We both looked up to him." Palacios downplayed what was going on at school with her parents. "I was scared to admit there was something weird happening," she told me. "I felt kind of foolish and embarrassed." The first time she told her parents how close she'd grown to Burgess was the day Insider published its investigation. Reading the story made Palacios feel ill; she stayed home from school the next day."My dad kept saying, 'It could have been you,'" Palacios told Insider. "'It could have been you.'"The class of 2022 graduates from Rosemead High school this Friday, June 3.(Christopher Vu for Insider)Palacios graduates from Rosemead High this week, leaving behind a school in crisis. She's spent her final days on campus encouraging her peers to demand action to ensure their safety. She heads to UCLA this fall to study political science.Looking back on the months she spent in Burgess' classroom, Palacios is reminded of all that she had going for her. She benefited from the presence of other adults who looked out for her and celebrated her success."If I wasn't able to get the protection when I had all these connections, all these people who claimed they cared about me, I can only imagine how these girls who didn't have that support felt," Palacios said, her mind going back to the students who came before her whom she now knows Burgess abused. "If they couldn't protect me, how could they protect anyone?"Palacios feels manipulated and used by Burgess, echoing what many other former Burgess students have told Insider in recent days. She also feels guilty for unwittingly being a part of the image Burgess cultivated on campus for so long. But more than anything else, Palacios is grateful that the incoming class of freshmen will never know her former teacher."I feel like the last one who has any connection to Eric Burgess on this campus. And that's comforting to me," Palacios said. "I can only imagine if there were more students who felt the damage that I feel."Read more: How a southern California high-school shielded a beloved teacher who groomed students for sexMatt Drange graduated from Rosemead High in 2007. If you have a tip, contact Matt by email, at mdrange[at]insider[dot]com, or by phone, at 626-233-1063.The LA Sheriff's Department team investigating sexual abuse at Rosemead High can be reached through Sgt. Robert Leyba at the Temple City station by calling 626-285-7171 ext. 3361.Read the original article on Business Insider.....»»

Category: worldSource: nytJun 2nd, 2022

Pain, anger, and disgust: Inside Rosemead High"s reckoning with decades of sexual abuse of students

Rosemead High in southern California has been in a state of turmoil since Insider revealed decades of sexual abuse at the hands of former teacher Eric Burgess.(Christopher Vu for Insider)Rosemead High senior Xitlalic Palacios knew that she had to speak up. It had been two days since Insider published a story about Eric Burgess, her former journalism teacher, and she'd barely slept.For the past three years, Palacios had served as editor-in-chief of the student newspaper, which Burgess oversaw before school officials removed him from the classroom and investigated his sexual relationships with teenage girls. As Palacios prepared for what would be her final meeting as the sole student representative of the school board, she grappled with what to say. Many on campus were seething at the superintendent's response to the revelations, saying that the school was "dedicated to creating a safe, secure environment" for students. But Palacios wasn't sure if what she wanted to say – that she could relate to the survivors Burgess had abused because she could have become one herself – was what her peers or the adults charged with ensuring their safety at school needed to hear in this moment of crisis. So she kept that part to herself, just as she'd done so many times before.That didn't mean Palacios would stay silent, though. Far from it."My job has always been to serve the students. My job was never to correct the wrongs of grown adults," Palacios said at the May 18 meeting, filling a moment when school district officials expected her to thank them. "But I'm not sure I have much of a choice as I sit here with you today."Read more: He was my high school journalism teacher. Then I investigated his relationships with teenage girls.The tension in the room was palpable even through the meeting's livestream. Palacios thought of the 8,000 students she was speaking for in the El Monte Union High School District. She thought of her parents, who worried about the consequences that could meet their daughter for speaking out. And of her brother, who assured her that yes, she had to say what others were too afraid to acknowledge.Rosemead Senior Xitlalic Palacios delivers a searing statement during an emotional school board meeting in the wake of Insider's reporting.El Monte Union High School District/YouTube"I think the public is owed an explanation or an apology," Palacios said to the five adult school board members who sat beside her, silent. "I hope our district and my school campus – and any school campus at that – makes an effort to adequately combat these issues. I hope they genuinely work to create safety protocols. I hope our students' firsthand accounts are valued. I hope, I hope, I hope. But it shouldn't come down to hope. Because hope and luck isn't a saving grace. Hope and luck isn't what I or any student should be betting on. Our students deserve better, and I demand that you all do better. Because if this is your best, your best efforts haven't been good enough."Rosemead High's community has been in a state of turmoil since Insider detailed how former English teacher and one-time "Golden Boy" Eric Burgess groomed students for sex for decades. Despite student complaints and obvious red flags, school and district officials missed repeated opportunities to put a stop to Burgess' behavior. Rosemead's reckoning has taken a toll on students and faculty, interviews with 57 people connected to the school show, with a tense distrust dominating the final days of the school year.The Los Angeles Sheriff's Department has opened an investigation into Burgess' relationships with former students as well as possible abuse by other Rosemead High teachers, Sgt. Robert Leyba said. Leyba and another deputy assigned to Rosemead told Insider that the department was surprised to learn of Burgess' departure from the school by reading Insider's reporting, rather than hearing from school officials.Leyba said that district officials first contacted the sheriff's department in April 2019, when they opened their investigation of Burgess' sexual relationships with former students. At the time, district officials had no cooperating victims, so deputies instructed them to keep the department apprised of what they found.The Sheriff's Department never heard back from the district, Leyba said."For us to move forward with our special victims bureau, we have to have a victim," Leyba said. If former students come forward to the department now, he said, it could "open a lot of other things," including the possibility of criminal charges or civil suits being filed. In 2019, California extended the statute of limitations for cases of sexual abuse involving minors. Survivors now have until the age of 40 to file a civil lawsuit, or five years after the discovery of the abuse, whichever is later. The amended law also opened a three-year window for adults to file civil claims that were previously barred by the statute of limitations; that window closes December 31, 2022.Rosemead High School is in a state of turmoil.(Christopher Vu for Insider)Community members and alumni have called for Rosemead High School and district officials to resign in recent days. Back on campus, hundreds of Rosemead students walked out of class in protest, demanding that school officials take steps to ensure their safety. Anger among students boiled over last week, when two allegedly vandalized the Rosemead High campus—including the classroom door where Burgess was once caught having sex with a student who had graduated just weeks prior. Many students expected an apology from school officials in response to Insider's reporting, and were dismayed when they were told that staff had done all they could to address abusive behavior by teachers."They need to recognize what happened and not just send out these pathetic excuses," said junior Zachery Larson, who led the May 20 student walkout. "This is a problem and it can no longer be ignored. I hope they can at least acknowledge that by the end of the school year."The door to the classroom where Eric Burgess was once caught having sex with a student who'd graduated just weeks before was recently vandalized.(Insider)Larson and other students are scheduled to meet with Rosemead principal Brian Bristol on Friday to discuss allegations of misconduct against other teachers. The dark mood on campus has been punctuated in recent days with fresh allegations regarding a current Rosemead High teacher who has been absent from school; Bristol declined to comment.School staff, meanwhile, are openly questioning whether the school is doing enough to prevent the predatory grooming behavior that Burgess excelled at for so long. "We aren't doing enough to protect our kids," Rosemead High psychologist Alexi Adams told Insider, calling for more education and training of staff and students alike. "Kids can't protect themselves if they don't know what to look for. The groomers are so charismatic and charming that the kids do not know what is happening; they are easy victims."Rosemead High School sits just east of Los Angeles in the San Gabriel Valley.(Christopher Vu for Insider)As the campus community continues to search for answers, questions have intensified around Bristol's initial handling of an explosive whistleblower memo about Burgess' behavior.The document, which the principal received in April 2018, documented in stark detail sexual relationships that Burgess had had with female students going back 20 years. The memo included dates, ID numbers of students who were aware of Burgess' inappropriate behavior, and the names of five former students with whom he'd allegedly had sexual relationships.Bristol sat on the information for a year.It wasn't until the following spring, when screenshots of sexually explicit messages Burgess had exchanged with a former student were posted to social media, that Bristol took action and removed Burgess from the classroom. District officials then notified the Sheriff's Department.Felipe Ibarra, a former assistant superintendent who oversaw the district's investigation of Burgess, told Insider that Bristol initially "insisted he had provided me the memo via e-mail, however from a search of our email trails, it was clearly evident that he had not. He subsequently apologized and explained why he thought he had sent the memo."Ibarra said that the district's outside law firm, Olivarez Madruga Lemieux O'Neill, selected the private investigative firm that used the memo as a jumping off point for the district's probe. District officials were unaware of the numerous complaints that parents and staff in neighboring school districts had made regarding other investigations involving the firm, Nicole Miller & Associates, Ibarra said.Ibarra said investigators interviewed many of the students named in the memo, including Burgess' ex-wife, and that "none gave him up." Those closest to Burgess, Ibarra said, "protected him well."As Insider previously reported, it was Burgess's documented efforts to obstruct the district's investigation of his relationship with a former student, rather than the relationship itself, that cost him his job.Former Rosemead High English teacher Eric Burgess.(Insider)Neither Bristol nor Zuniga responded to detailed questions for this story, including why Zuniga claimed recently that school officials "promptly removed" Burgess from the classroom upon learning of his relationships with teenage girls.After he was forced out of Rosemead High in December 2019, Burgess went on to do recruiting work, ultimately landing a job with Meta (formerly known as Facebook), Insider has learned. The day after Insider's investigation was published, Burgess lost his job at Meta, multiple company employees confirmed; spokesman Joe Osborne declined to comment. Burgess didn't respond to requests for comment.The time it took for school officials to act on credible tips about Burgess — as well as the numerous other red flags about the teacher's behavior that were either ignored or not thoroughly investigated during his 20-year career — became a focal point of a student walk-out at Rosemead High last month.Rosemead High students walk out of class in a protest sparked by Insider's reporting.(Insider)"Enough is enough," a flier advertising the protest read. "Why did it take 20 years?" read one sign. "Sexual misconduct between students & teachers should NOT be normalized or ignored," read another.The week of the walkout, district officials diverted psychological services from other schools in the district to Rosemead High, internal emails reviewed by Insider show. Many longtime school employees said they'd never seen anything like it."These kids are tired of being dismissed," one longtime employee said, recalling how in the past when students have come forward with allegations of abuse, they were disregarded by administrators. "We need to heal as a school. So many kids are broken." A group of concerned alumni, meanwhile, are demanding that the district take steps to ensure more students aren't abused. They are drafting a petition to send to district officials, said Cynthia Amezcua, an alum who is organizing the effort."We are owed a meeting with Rosemead High administrators," said Amezcua, who urged officials to address Rosemead's culture of secrecy during an emotional public comment at the recent school board meeting. After listening to her and others call for accountability, a lawyer for the district ignored the remarks and read a prepared statement."It's nonsense for them to hide behind these legal counsel statements," Amezcua said. "They think that will get us to calm down, and that's not going to happen."Many at Rosemead High are seething at the response from school officials, who have not apologized or acknowledged any role in failing to put a stop to predatory behavior by former teachers.(Christopher Vu for Insider)Xitlalic Palacios was desperate to find community when she arrived at Rosemead High as a freshman in the fall of 2018. Most of her friends had gone to nearby El Monte High; the only people she knew at Rosemead were her older brother and Burgess, whom she'd met in summer school.Typically, freshmen aren't allowed to enroll in the student newspaper. But Burgess made an exception for Palacios, telling her to let her counselor know he'd given permission for her to join the staff, emails between Burgess and Palacios show.Palacios loved to write. In Burgess, she thought she'd found a mentor, both for journalism and for the academic decathlon team she hoped to join, which he'd led to numerous state competitions. Palacios remembers her first day in Burgess' classroom, her eyes scanning the trophies that lined his desk.Palacios pictured her name on one of them and claimed a seat in the front row, directly in front of her teacher's desk."He made me feel like I had a place where I belonged," Palacios told me.Even though she was the youngest member of the newspaper staff, Palacios recalled, Burgess would tell other students that she was the "best journalist here" and would be his editor-in-chief someday. Palacios remembers eavesdropping on a conversation Burgess had with the leader of the academic decathlon team.Palacios recalled that when he finished, Burgess fist-bumped the student and walked over to her desk, where he kneeled down — "uncomfortably close," she said — and explained that she would be spending a lot of time in his class over the next four years and she would need to make it a priority. Burgess urged her to consider dropping her other extracurricular activities, including the Associated Student Body and volunteer work, to make time for the newspaper and the academic decathlon team. When Palacios told him that her other activities were also important to her, Burgess said that his classes would help her "more.""His personality shifted based on who you were," Palacios said. "He could be really hard on students. But with me, I never got that experience. He never asked me questions that I couldn't answer."Like other students who grew close to Burgess, Palacios befriended his son, a child Burgess raised with a former student and who was a senior during Palacios' freshman year. When Burgess was pulled from the classroom the following spring, his son told Palacios what school officials still have never publicly acknowledged: Burgess became sexually involved with a female student weeks after she'd graduated."My first reaction was denial," Palacios said. "I thought, 'There's no way. This is someone I trust.'"The truth didn't register with Palacios until a classmate on the academic decathlon team told her that he'd personally seen the sexually explicit messages from Burgess to his student that kids had been gossiping about. The rumors about their teacher, he told Palacios, were true. "We were both at a loss," Palacios said. "We both looked up to him." Palacios downplayed what was going on at school with her parents. "I was scared to admit there was something weird happening," she told me. "I felt kind of foolish and embarrassed." The first time she told her parents how close she'd grown to Burgess was the day Insider published its investigation. Reading the story made Palacios feel ill; she stayed home from school the next day."My dad kept saying, 'It could have been you,'" Palacios told Insider. "'It could have been you.'"The class of 2022 graduates from Rosemead High school this Friday, June 3.(Christopher Vu for Insider)Palacios graduates from Rosemead High this week, leaving behind a school in crisis. She's spent her final days on campus encouraging her peers to demand action to ensure their safety. She heads to UCLA this fall to study political science.Looking back on the months she spent in Burgess' classroom, Palacios is reminded of all that she had going for her. She benefited from the presence of other adults who looked out for her and celebrated her success."If I wasn't able to get the protection when I had all these connections, all these people who claimed they cared about me, I can only imagine how these girls who didn't have that support felt," Palacios said, her mind going back to the students who came before her whom she now knows Burgess abused. "If they couldn't protect me, how could they protect anyone?"Palacios feels manipulated and used by Burgess, echoing what many other former Burgess students have told Insider in recent days. She also feels guilty for unwittingly being a part of the image Burgess cultivated on campus for so long. But more than anything else, Palacios is grateful that the incoming class of freshmen will never know her former teacher."I feel like the last one who has any connection to Eric Burgess on this campus. And that's comforting to me," Palacios said. "I can only imagine if there were more students who felt the damage that I feel."Read more: How a southern California high-school shielded a beloved teacher who groomed students for sexMatt Drange graduated from Rosemead High in 2007. If you have a tip, contact Matt by email, at mdrange[at]insider[dot]com, or by phone, at 626-233-1063.The LA Sheriff's Department team investigating sexual abuse at Rosemead High can be reached through Sgt. Robert Leyba at the Temple City station by calling 626-285-7171 ext. 3361.Read the original article on Business Insider.....»»

Category: personnelSource: nytJun 2nd, 2022

How to reverse image search on Google from your iPhone, Android, or computer

When you have an image and want to find information about it or similar images, or avoid plagiarism, Google's reverse image search feature can help. Google reverse image search allows you to search with an image rather than written keywords.   You can reverse image search on Google with image results, a file on your device, or an image on a website. You can conduct a Google reverse image search on iPhone or Android with the Chrome mobile app, or on any computer. Google Images is a great place to search for pictures and photos by typing in relevant keywords. But you can also search Google using an image — called a reverse image search — to find out more information about a specific photo or graphic.Quick tip: Though Google Images is free and easy to use, you can also try other reverse image search tools with more advanced capabilities, like TinEye and Yandex.Here's why you might want to use it and how to Google reverse image search on a desktop web browser or the Google Chrome mobile app on your iPhone or Android.What is a reverse image search?When you do a reverse image search on Google, you place a photo, or a link to a photo, in the search bar instead of a text query. Google then finds websites featuring your image as well as related images.Google Images also detects the subject of your photo and brings up other websites related to your image topic.When to use Google reverse image search It's most helpful to search with an image on Google in the following cases:Find information about a photo. A reverse image search could bring up a website that includes a person's name or information about a product.Uncover plagiarism. A reverse image search will bring up similar images. This can reveal whether an image was copied from someone else's work.Find other similar images. If you want to find other photos connected to a specific image, a reverse search will also populate related pictures.Google reverse image search on iPhone or AndroidYou can reverse image search on iPhone or Android using a photo from the internet or a photo from your camera roll. Here's how to do it.Using an image from the search resultsBefore proceeding with this method, you'll first have to download the Google Chrome mobile app to do a reverse image search on your mobile device.1. Open google.com on the Chrome app on your iPhone or Android.2. Describe the image you want to search. For example, you could type "tuxedo cat."Type what kind of image you're looking for in the search bar.Stefan Ionescu3. Select an image from the search results by tapping it to enlarge it.Quick tip: You can also tap and hold the image until a menu pops up, and then choose Search image with Google Lens on Android or Search Google for This Image on iOS.4. Tap the Google Lens icon on the top right.Tap on the Google Lens icon.Stefan Ionescu5. After a moment, Chrome will give you images that match your search terms.Using an image from your filesThis option requires that you have the Google app installed on your device.1. Open the Google app on your iPhone or Android.2. Tap the camera icon in the search bar. The app might ask for permission to access your camera and image gallery. When it does, give them to it.Tapping the camera icon will open Google Lens.Stefan IonescuQuick tip: You can also tap the camera icon on the Google Search widget (if you have it on your Home Screen), to start the reverse image search.The Widget also has the camera icon for performing a reverse image search.Stefan Ionescu3. On Android, tap the camera icon in the top section to take a picture, or you can look for the image in your gallery in the bottom section and then tap on it to perform the search. On iOS, it will open with the camera already selected, and to switch to your gallery, press the picture frame icon next to the magnifying glass icon towards the bottom to search for an image.Take a picture of the object or browse for it in your gallery.Stefan Ionescu4. After a moment, Google will display the results of the image search.Google reverse image search on a computerYou can do a more robust Google reverse image search on your computer by uploading a file from your computer or searching for an image you find on the web. Google Images works with Chrome, Firefox, and Safari browsers.Using an image from the internet1. Find the image you want in Google and right-click on it.2. Choose Copy image address in the pop-up.Copy the image address.Stefan Ionescu3. Open images.google.com in a web browser.4. Click the camera icon to upload an image.Click the camera icon to upload an image.Stefan Ionescu5. Select the Paste image URL tab and paste the URL.On the "Paste image URL" tab, paste your image link in the text box.Stefan Ionescu6. Click on the Search by image button, and you'll be taken to a page of results related to your image.Quick tip: You can also do a reverse image search from Google image search results. Just right-click on an image and choose Search image with Google Lens.Using an image from your files1. Open images.google.com in a web browser.2. Click the camera icon to upload an image.3. Select the Upload an image tab, then select Choose File to browse your files and pick an image to search. Or drag and drop an image file into the browser window.4. Find an image from your files, click on it, then select Open.5. You'll then be taken to a page containing similar images or information about the image.Reverse image search with a third-party appIf you're looking for something beyond the Google app and Google Chrome for your reverse image search needs, there are a couple of other apps you try.ReverseeAs long as you have the image file or its URL, you can use Resersee to do a reverse image search. The app doesn't have its own search engine, so it uses others (Google is the default) to do the reverse image search instead. It's available for both Android and iOS devices for free. However, you can upgrade to the pro version through in-app purchases for $3.99. This will give you access to advanced search engines like Yandex.CamFindIf you've ever seen an object in the real world and wondered what it is, CamFind can help. All you have to do is take a picture of it, and the app will use its advanced image recognition software to identify it for you. However, keep in mind that you might not always get a hit. The app is available on both Google Play and App Store, and it's completely free.Search By ImageSearch By Image is a free reverse image search app that helps you find images or photos that are similar. It uses popular search engines, such as Google, Bing, Yandex, and Tiny, and it's available completely free for Android devices only.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderMay 11th, 2022

Hospitals Ignoring Price Transparency Rule Rack Up Billion-Dollar Profit

Hospitals Ignoring Price Transparency Rule Rack Up Billion-Dollar Profit Authored by Adam Andrzejewski via OpenTheBooks substack, It’s like playing baseball with one side (patients) wearing blindfolds and the other side (hospitals) running up the score at will. Topline It was an historic, bipartisan healthcare reform. In 2020, President Donald Trump proposed and the Biden Administration finalized the transparency rule whereby hospitals were forced to open their books and post their prices for healthcare services online and in real time. Blatantly, though, hospitals are refusing to comply. As of January 1, 86-percent of hospitals were not complying with the transparency rule according to an investigation by the organization Patient Rights Advocate. One year after the rule went into effect, a staggering 857 out of the 1,000 hospitals surveyed refused to open their pricing books or were non-compliant. In 2021, three of the largest hospital systems in the country – HCA Healthcare, CommonSpirit Health, and Ascension — made a collective $120 billion. Yet, those systems still weren’t posting their prices online by January 2022. Even smaller “non-profit” hospital groups, like, UPMC in Pittsburgh, were non-compliant. However, in 2020, their CEO made $9 million; between 2016 and 2020, he was paid $34.7 million. That’s like playing baseball with one side (patients) wearing blindfolds and the other side (hospitals) running up the score at will. The Rule The federal hospital price transparency rule took effect on January 1, 2021 as a part of the Affordable Care Act. It required hospitals to post all their prices online in a way that’s easily accessible to patients, without barriers like requiring that they submit personal identifying information. Hospitals must provide the clear pricing information online “(a)s a comprehensive machine-readable file with all items and services” and “in a display of shoppable services in a consumer-friendly format,” according to Centers for Medicare & Medicaid Services (CMS). Big number There are 361 hospitals owned by the three large hospital systems and only two of those hospitals were posting their prices. According to the report: HCA Healthcare had $58.8 billion in revenue (2021) — none of 188 hospitals complied. CommonSpirit Health had $33.3 billion in revenue (2021) – only one of 88 hospitals complied. Ascension had $27.2 billion in revenue (2021) – only one out of 85 hospitals complied. CommonSpirit Health and Ascension didn’t respond to requests for comment by our deadline. Case study – HCA Healthcare An HCA Healthcare spokesperson responded to our comment request and said the hospitals are compliant – but wouldn’t say exactly when they began posting the required information. “Over the last year, we have worked diligently and have completed our implementation of these requirements,” the HCA spokesperson said. “Our hospital websites have a consumer-friendly Patient Payment Estimator tool that provides relevant information to help patients understand what their out-of-pocket costs may be for hospital care, including those that are uninsured. In addition, we have posted contracted rates with third party payers using one of the machine-readable file formats listed in the regulations to provide the five types of ‘standard charges.’” Certainly, it’s a good first step; however, more work needs to be done. Our auditors at OpenTheBooks.com reviewed about a dozen of HCA Healthcare hospital’s websites and found information under “patient financial resources” or “patient payment estimator” tabs. While HCA hospital websites all have downloadable files of standard charges, they all include disclaimers that the prices can vary in several ways from what is stated. The HCA files all also have shorthand or abbreviated descriptions of the services, making it hard to understand some of the services. HCA also includes a gross cost and a discounted cost of services but lack the required payer-specific negotiated charges, and de-identified minimum and maximum negotiated charges. The hospital websites are also required to have a “display of at least 300 shoppable services.” In the absence of the shoppable services list, hospitals can display an internet-based price estimator tool that patients can access without having to submit personal identifying information. The HCA websites have these patient payment estimators, where patients can search for a service. But the customer must add their information — their full name, date of birth and insurance. This appears to violate the rules. Case study — UPMC Susan Manko, vice president of public relations for UPMC and University of Pittsburgh, told OpenTheBooks that the Patient Rights Advocate report is inaccurate. “The PRA website is (and has been for some time now) wrong,” she said. “PRA completely missed that the appropriate pricing information has been available to the public on these hospitals’ websites for more than the past year and that these hospitals are compliant with federal regulations regarding pricing transparency.” She provided the links for UPMC Shadyside and UPMC Magee-Womens, which indeed have a price estimator tool and a machine-readable file of items and services on the websites. Patient Rights Advocate argues that while UPMC’s machine readable file lists prices for services provided by three dozen insurance companies, it lacks specific plans, like HMO and PPO plans, making the list incomplete. The rule clearly requires that “each list of payer-specific negotiated charges must be clearly associated with the name of the third party payer and plan.” Big potential penalties Price transparency can revolutionize U.S. healthcare by introducing price competition in the industry. Price disclosure also helps to prevent gouging and surprise billing. So, on January 1, CMS increased the penalty for hospitals that don’t comply with the transparency rule. The upper bound penalties for the three large healthcare groups with 361 hospitals could collectively exceed $724 million per year. Minimum penalties start at $300 per day for smaller hospitals with 30 or fewer beds, and increase to $10 per bed per day for hospitals with more than 30 beds, up to $5,500 per day. If hospitals aren’t in compliance for a full year, the minimum penalty is $109,500 per hospital, and the maximum penalty is more than $2 million per hospital. Key background Patient Rights Advocate reviewed the websites of 1,000 licensed hospitals – out of the 6,000 across America. The group analyzed whether the required pricing information was posted. Hospitals are required to display the price of the 300 most common shoppable services, either in a standard charges list or a price estimator tool. But the report criticized the latter, saying “price estimator tools” give non-binding estimates (including price ranges) accompanied by disclaimers. That’s far different from actual price disclosure, the report noted. The report found most hospitals did not post all payer-specific and plan-specific negotiated rates. For instance, there was incomplete or missing data fields, fields with zeros, N/As and asterisks for negotiated rates. It also found that hospitals often listed many more “accepted insurance plans” on their websites away from where they listed their standard charges, implying that their standard charges didn’t include all accepted plans. Our organization at OpenTheBooks.com was at the forefront of shaping the federal rule, encouraging the public in the fall of 2019, and beginning of 2020 to comment on the health care price transparency proposal put forth by the Trump Administration. With that push, about 2,000 comments were sent to Health and Human Services (HHS) and the Biden Administration finalized the rule. A true bipartisan reform that forces transparency from a politically powerful group. Noncompliant hospitals—a year later and no fines As of March 2022, CMS, which enforces the rule, has issued approximately 345 warning notices to noncompliant hospitals, a spokesperson told OpenTheBooks.com on April 25. The agency has also issued 136 corrective action plan requests “to hospitals that previously received warning notices but have not yet corrected deficiencies,” and 145 hospitals “have received case closure notices after having addressed previous citations,” the spokesperson said. CMS hasn’t issued any penalties because “each hospital that has come under compliance review has resolved its deficiencies, or is in the process of doing so.” OpenTheBooks.com filed a Freedom of Information Act request earlier in April, asking HHS to divulge which hospitals received noncompliance notices and corrective action plans and whether the general public has notified HHS of noncompliant hospitals. While HHS has acknowledged the request, it has not yet provided the records. But the spokesperson said, “specifics surrounding the compliance and status of hospitals are not publicly available. The Hospital Price Transparency final rule indicates that once CMS issues a civil monetary penalty, CMS will make public the name of the hospital on a CMS website; releasing this information prematurely could identify hospitals that have already taken corrective actions and come into compliance after issuance of a warning letter, given the relationship in timing of our reviews and the hospitals being at various stages addressing compliance requests.” Thanks for reading OpenTheBooks! Subscribe for free to receive new posts and support my work. Crucial quote Until CMS strongly enforces the rule, there is no reason for the remainder of the hospitals to comply, the Patient Rights Advocate report noted. “We are now entering the second year since the hospital price transparency rule became law, and compliance remains at very low levels,” the report stated. “The largest hospital systems are effectively ignoring the law, with no consequences.” Critics The Wall Street Journal reported in December 2021 that some hospitals have posted pricing data on their websites but they “masked the information from online search results, using special code that blocks pricing data on their websites from the results of search engines,” noting the coding is illegal under new rules that take effect in 2022. One hospital system, the North Oaks Health System, based in Hammond, La., posted some data early in 2021 but removed it two weeks later, as none of its competing hospitals had posted their rates. “You get nervous about putting those negotiated rates out there,” the system’s chief financial officer, Mark Anderson, told The Journal. “You don’t know who will look at those rates and say, ‘I want to negotiate to the Medicare rates.’ We didn’t want to put ourselves at a competitive, strategic disadvantage.” *  *  * Additional Reading An OpenTheBooks.com June 2019 report “Top 82 U.S. Non-Profit Hospitals: Quantifying Government Payments and Financial Assets” showed that hospitals with non-profit tax status and their CEOs are getting richer while the American people are getting healthcare poorer. Our study published at Forbes showing the top 82 non-profit hospitals added billions of dollars to their bottom line, lavishly compensated their CEOs, and spent millions of dollars lobbying government to defend the status quo. A $4,000 Covid Test In Oklahoma Resulted In A Debate On Healthcare Prices and Transparency, Forbes, published January 31, 2021. New Documentary, InHospitable, Details The Big Profits In “Non-Profit” Healthcare, Forbes, published December 14, 2021. Adam Andrzejewski (say: And-g-f-ski) is the CEO/Founder of OpenTheBooks.com. Last year we filed 47,000 FOIA requests and captured $12 trillion in government spending (2021). Work featured at The BBC, Good Morning America; ABC World News Tonight; USA Today; The Wall Street Journal; Forbes; and The New York Times. My presentation to the Hillsdale College National Leadership seminar posted on YouTube has 3.7+ million views. Learn more at OpenTheBooks.com. Thanks for reading OpenTheBooks! Subscribe for free to receive new posts and support my work. Tyler Durden Fri, 04/29/2022 - 17:00.....»»

Category: blogSource: zerohedgeApr 29th, 2022

Kobo Elipsa is the best e-reader for students, thanks to support for e-textbooks and a stylus for note-taking

Sold with a stylus and magnetic cover, Kobo Elipsa's in-book note taking, Dropbox support, and e-textbooks for sale make it excellent for students. Prices are accurate at the time of publication.When you buy through our links, Insider may earn an affiliate commission. Learn more.Angela Tricarico/Business Insider The Kobo Elipsa ($400) is an e-reader by Rakuten with features that make it ideal for students. It comes with a stylus that allows you to take notes directly on the pages of books and documents. Dropbox as well as library access are supported, covering much of students' learning material load. Kobo Elipsa Pack$399.99 FROM WALMART$399.99 FROM KOBOFor most college students, a huge part of those four years includes reading. Textbooks, PDFs, and articles can quickly pile up and, once a semester ends, you're stuck with stacks of paper you'll likely never need again. Compiling your reading materials digitally would cut down on the amount of pages you'd have to print out and carry around.As a recent college graduate, I wish I'd had this kind of device when I was in my particularly reading-heavy classes, because I'm the kind of reader and student who likes to annotate everything with my own notes and understanding of the piece. I was also a theater student, so I read a lot of plays; whenever I was assigned a play or a reading, I would either print out the 40-70 page document, skim through it so as not to write inside a copy I didn't own, or rewriting entire pages into a notebook so I could mark it up.I have also tested all of the latest e-reader models from Amazon, Rakuten (Kobo), and Barnes & Noble (Nook). So, I have an intimate understanding of the e-reader market in 2022.If you're the kind of person who likes to mark up their readings, the Kobo Elipsa e-reader tablet is a fine alternative to printing out all of your readings over a semester and then throwing out hundreds of pieces of paper every semester. Kobo's online store sells e-versions of textbooks and other reading materials that may be required for classes, making this device an ideal all-in-one option. The Kobo Elipsa is sold in a pack with a magnetic cover and the Kobo Stylus for $400.Angela Tricarico/Business InsiderThis is the only e-reader in Kobo's line of devices that is exclusively sold in a bundle. The cover and stylus are essential for using the Kobo Elipsa to its full potential. The cover rests at an angle that makes it easy to write on, and it includes a slot to keep the stylus in.This e-reader was meant to be written on. The screen is matte, like other e-readers, but unlike other offerings in Kobo's line, this screen has a more distinct, paper-like feel.Angela Tricarico/Business InsiderThe Kobo Stylus allows you to write directly on the pages of the book you're reading.Angela Tricarico/Business InsiderThe Kobo store also sells ebook versions of textbooks, and if you're in a program with a lot of non-academic reading, you may even be able to borrow your required readings with a library card.Angela Tricarico/Business InsiderHaving all — or even most — of your required readings on one 7.5 x 9-inch device cuts down on the amount of textbooks you'll have to keep on hand. You can also side-load your own EPUB files using Adobe Digital Editions. Elipsa supports Dropbox, too: upload PDFs to your personal Dropbox and access them on the Elipsa, with full Kobo Stylus support. Angela Tricarico/Business InsiderOnce you've marked a document up, those notes stay on the document within the Dropbox app on another mobile device or computer. This e-reader has two types of digital notebooks as well: basic and advanced. Angela Tricarico/Business InsiderBasic notebooks are best suited for note-takers who prefer to have more freedom on the page. You can choose between lined, dotted, grid, or blank pages. Advanced notebooks can convert handwriting into text, and from there you can export the notebook as a text file onto Dropbox. You can also create diagrams, equations, and more on an advanced notebook. Of course, you can also use Kobo Elipsa as a regular e-reader.Angela Tricarico/Business InsiderYou can buy books from the Kobo store or download them as library loans via Overdrive. This includes graphic novels and comic books, as well, though they'll of course appear in colorless ebook format. The bottom lineFor students looking to cut down on physical textbooks, notebooks, and the amount of items they carry to class and around campus, the Kobo Elipsa is the best e-reader option. It brings a lot of tablet functions — like note-taking, textbook access, and PDF support —  to a screen that's much easier on the eyes than the average tablet. $399.99 FROM WALMART$399.99 FROM KOBORead the original article on Business Insider.....»»

Category: topSource: businessinsiderApr 19th, 2022

6 ways to recover an unsaved Microsoft Word document, and enable AutoSave so you never lose one again

The loss of a Microsoft Word document can be devastating, but not all hope is lost. Sometimes, they can be recovered. Here's how. There are a handful of methods you can try to recover a lost Word document.Maskot/Getty Images Temporary files may allow you to recover an unsaved Word document. Multiple recovery methods exist, but no one method is guaranteed to work in every situation. To prevent losing your work, you can enable auto-saving in Microsoft Word's settings. Visit Insider's Tech Reference library for more stories. If you've ever lost all of your work because you didn't save your Microsoft Word document, you understand how palpable the pain can be.Fortunately, Word has come a long way since the dark ages of backing up files on floppy disks. Nowadays, if you lose an unsaved Word document, there might still be a way to recover it. The process isn't guaranteed, and you'll likely have to try multiple methods before you find success, but it's better than just giving up.Here's how to recover an unsaved Word document, as well as enable Word's AutoSave feature to ensure it doesn't happen again.Search for the original documentWhile you may not be able to recover your most recent additions, you might still be able to access the original version of your document. On a PC, Open the Search bar by pressing the Windows key and type the name of your document. On a Mac, click the spotlight icon in the upper right corner of your desktop. If your document appears in the File list, you can open it by double-clicking it.Search in your computer's file list for your missing document.Chrissy Montelli/InsiderSearch for Word backup filesSometimes, Microsoft Word will save a backup version of a file without your prompting. Open the folder in which your document was most recently saved and look for a file ending in .wbk or WBK. This is the file type associated with Word backup files.Check the Recycling BinThe Recycle Bin is where deleted files go before they are removed from your computer's memory. You can find the Recycle Bin on your desktop on a PC, or on your dock on a Mac. Double-click on it to open it and check the contents for your missing document.Use Recover Unsaved Documents in Word1. Open a document in Microsoft Word.2. Click on File.3. Click on Info, then Manage Document.4. In the dialog window that appears, search for your missing document, click on it, and then select Open.5. Once the document is opened, click File and then Save As and save it to a new location.If you want to save the files manually, this can also be done on Windows by checking either of the following two directories (folders), where is replaced with your Windows username:C:backslashUsersbackslashAppDatabackslashRoamingbackslashMicrosoftbackslashWordC:backslashUsersbackslashAppDatabackslashLocalbackslashMicrosoftbackslashOfficebackslashUnsavedFilesSearch for temporary files1. Click the Start menu and type .tmp (including the period) into the search box.2. At the top of the search box, click on the Documents tab.3. Scroll through the files and search for file names that match the last few dates and times that you edited the document in question.You can view a temporary file's information to get an idea of whether or not it might be your unsaved document.Chrissy Montelli/InsiderQuick tip: If you can't find any .tmp files that are related, then you need to move on to another method.4. Now, open Word and click on the File tab.5. Select Open, then click on Browse.6. Select the file format as All Files and navigate to the folder where you located the temp file(s) in step 3.7. Open the file.Enable AutoSave or AutoRecoverAutoSave is an option available to Microsoft 365 subscribers whereby your Word files are automatically saved to OneDrive or SharePoint. This option can be turned on and configured by turning the AutoSave toggle On at the top of Word.On the other hand, AutoRecover is a feature accessible to non-subscribers.1. Click on File, then Options, and click on the Save tab on the left of the window that appears.2. Click the checkbox beside the Save AutoRecover information every X minutes option so that it has a check mark in the box icon.Set your AutoSave preferences and click "OK."Chrissy Montelli/Insider3. Make sure that the Keep the last AutoRecovered Version if I close without saving box is also checked and press OK.Quick tip: Having the AutoRecover option in step 2 set to automatically save more frequently is advisable.Read the original article on Business Insider.....»»

Category: worldSource: nytApr 13th, 2022

What is a CSV file? How to open and use the popular spreadsheet file

CSV files are special text files that are quite common when dealing with spreadsheets. Here's how to open and make them. A CSV file is a plain text file that can be opened in a variety of programs.dowell/Getty Images A CSV (comma-separated values) file is a text file in which information is separated by commas. CSV files are most commonly encountered in spreadsheets and databases. You can use a CSV file to move data between programs that aren't ordinarily able to exchange data. Visit Insider's Tech Reference library for more stories. If you spend any time with spreadsheet applications like Microsoft Excel or Google Sheets — or even import certain kinds of data into Microsoft Outlook — you will inevitably encounter a comma-separated values file, commonly known as a CSV.A CSV file is a simple text file that you can open in a wide variety of programs, including any program that works with plain text like the Notepad app.What makes a CSV file unique is the way its content is organized. Here's what you need to know about CSV files and how to use them. What is a CSV file used for?A CSV file, as the name implies, typically separates information using commas. It's a way to exchange structured information, like the contents of a spreadsheet, among programs that can't necessarily talk to one another directly.As long as two programs can both open a CSV file, they can exchange data. For example, you can save contact information from Microsoft Excel as a CSV file, and import it into the address book in Microsoft Outlook.A typical CSV file looks like this, where each line contains the same sequence of data so any program which needs to read it knows what to expect:Product, Size, Color, PriceShirt, Medium, Blue, $14Shirt, Large, Red, $15Pants, Medium, Khaki, $23Despite the name, a CSV doesn't need to rely on commas as the separator between pieces of information. This separator, called a delimiter, can be a semicolon, space, or some other character, though the comma is most common. Quick tip: Excel files can only be opened by Excel or Google Sheets whereas CSV files can be opened by any text editing program, such as Notepad or TextEdit.How to open a CSV file in Microsoft Excel1. In Excel's ribbon, click the File tab and then click Open.2. Click Browse and, in the File Explorer box, click the drop-down menu to the right of the File name field. It usually defaults to All Excel Files — change it to All Files.3. Navigate to the location where the CSV file is stored and select it.You might need to change the file type to "All Files" to see the CSV in Excel.Dave Johnson/Insider4. Follow the Text Import Wizard to open the CSV. Usually, you'll want to select the option to import delimited data (this would be the comma or other separator) and click Next.5. Choose the kind of delimiter the file is using. You'll know you've selected the correct delimiter when the preview appears structured and organized properly. Click Next.When you choose the correct delimiter, you should see all the data organized properly in the preview.Dave Johnson/Insider6. If needed, you can click a column and change the kind of formatting for that data. When you're satisfied, click Finished.Quick tip: A CSV file is not an Excel file. While CSV files are not standardized and must save images in plaintext (meaning it is impossible to store pictures), Excel files are binaries that are able to contain pictures and rich formatting.How to open a CSV file in Google Sheets1. In Google Sheets, click File and then click Open.2. Find the CSV file and select it. If needed, click Upload and then drag and drop it from your computer.You might need to upload the CSV file first.Kyle Wilson/Insider3. The CSV will automatically be formatted properly and appear in Sheets.How to open a CSV file in a text editorUnlike spreadsheets, a text editor won't automatically format or structure the CSV file for you. Instead, you'll simply see the data separated by the comma or other delimiter. It's usually not aesthetically appealing, but it's an easy way to see the content of the file. 1. Open a text editor like Windows Notepad or TextEdit.2. Click File and then Open.3. In the "File Open" dialog box, select the CSV file. Depending on the editor, you may need to click a drop-down menu to the right of the "File name" field. If it's currently set to "Text Documents," change it to "All Files."You might need to change the file type dropdown to "All Files".Kyle Wilson/Insider4. Find the CSV file and select it.How to create a CSV fileYou can create CSV files in a few different ways. From an Excel spreadsheet1. Open your Excel document and click on the File tab. In the menu that appears, select Save As.2. Change the File Format to either Text (Tab delimited) or CSV (Comma delimited).Set the File Format to CSV.Kyle Wilson/Insider3. Navigate to the location where you wish to save the file, give it a name, and click Save.Quick tip: Two dialog boxes will appear after step 3. Click OK on the first one and Yes on the second box in order to save the new file. Only one worksheet will be exported at a time. In order to export more than one, repeat the steps for each sheet.From a Google Sheet1. Open the Google Sheet that you wish to export.2. Click File, then Download, and click Comma Separated Values (.csv).Click on Comma Separated Values (.csv)Kyle Wilson/InsiderIn a text editor1. Create a new text file using a text editor, such as Notepad on Windows or TextEdit on macOS.2. Enter the data that you want the document to contain, separating each value with a comma and each row with a new line.Enclose any commas meant to be in your data with quotation marks to preserve them.Kyle Wilson/Insider3. Save the file with the extension .csv.Be sure to set the "Save as type" to "All Files".Kyle Wilson/InsiderQuick tip: If your data itself includes commas, you can protect it by surrounding that entry with quotation marks.Read the original article on Business Insider.....»»

Category: topSource: businessinsiderApr 8th, 2022

Ukraine Receives Tanks From Czech Republic After Reports Of US "Quietly" Assisting

Ukraine Receives Tanks From Czech Republic After Reports Of US 'Quietly' Assisting On Tuesday it was confirmed that Ukraine has received over a dozen Soviet-designed T-72M tanks from the Czech Republic amid a big push among Western powers to bolster Ukrainian defenses amid the continued Russian war, and as the Russians are beginning to cut off much of the east and south. The Czech initiative marks the first time any external power has provided tanks to Kiev since the start of the Feb.24 invasion. Further, the effort to transfer tanks apparently involved the assistance of the Biden administration, as previously reported by Politico and others. And The Wall Street Journal notes the efforts could ramp up, writing, "In a potentially even more important development, both the Czech Republic and neighboring Slovakia, which shares a border with Ukraine, are considering opening their military industrial installations to repair and refit damaged Ukrainian military equipment." NATO file image of T-72M4CZ tank, via Wiki Commons If the program reaches that point, it would mean NATO countries getting more deeply and logistically involved right on Ukraine's border, potentially coming closer to a direct clash with Russian forces - given the Kremlin early in the invasion warning it would target any external weapons shipments or systems. The WSJ emphasizes this possibility by pointing out that "Russia’s campaign of missile strikes across Ukraine has targeted in particular the country’s defense industry, destroying facilities where such repairs and refitting could take place—something that makes the Czech and Slovak cooperation particularly valuable." Most Western countries have maintained reluctance to transfer weaponry as heavy or significant as tanks, on fears it would lead to open Russia-NATO war. As for the Czech tanks, "These weapons supplies were funded by the Czech government, and private Czech donors who have chipped in to a government-backed crowdsourced fundraising campaign to arm Ukraine," WSJ notes further. The program likely has Washington's "quiet" involvement. Days ago Politico reported that "The U.S. government is reportedly set to transfer Soviet-made tanks to support Ukrainian defense efforts against continued Russian attacks in the country’s east."  The Biden administration has in the past days repeatedly declined to comment on the widespread reporting of US involvement...  Blinken said yesterday that he "can't get into" whether this report is accurate, and that the US will now be sending tanks into Ukraine. According to the Biden Administration, the public has no right to know the details of these daily escalations in an intensifying US proxy war pic.twitter.com/JAUnSPJlSb — Michael Tracey (@mtracey) April 4, 2022 Further, "A government official in Washington told the New York Times on Friday that the decision of U.S. President Joe Biden’s administration had come as a response to requests by Ukrainian President Volodymyr Zelenskyy to support his country’s war effort with military equipment, including tanks." Tyler Durden Wed, 04/06/2022 - 04:15.....»»

Category: personnelSource: nytApr 6th, 2022