Existing Home Sales to Pick Up in September Market Shifts to Buyers

first_imgExisting Home Sales to Pick Up in September; Market Shifts to Buyer’s Favor Share in Daily Dose, Data, Featured, Market Studies, News Auction.com Buyer’s Market Existing-Home Sales Realtor.com 2015-09-29 Staff Writercenter_img September 29, 2015 518 Views Existing home sales had a less than promising performance in August, but Auction.com’s Real Estate Nowcast projects that they will pick back up in September.Auction.com predicts that existing home sales for the month of September will fall between seasonally adjusted annual rates of 5.23 and 5.57 million annual sales, with a targeted number of 5.4 million, an increase of 1.7 percent from August and 5.9 percent from a year ago.”While the modest growth that the Auction.com Real Estate Nowcast predicts for September will not be enough to completely recoup all of the losses experienced in August, it shows that sales are expected to move back in the right direction and maintain solid year-over-year progress,” the report said.”All the right underpinnings are in place to support continued demand, from improving labor markets and wage growth to a more approachable lending environment.”According to Auction.com, home prices have also experienced recent declines on a seasonally adjusted basis, but remain healthy. The Nowcast predicts that sales prices for existing homes will fall between $216,372 and $239,148 in the month of September, with a targeted price of $227,760, an 8.9 percent year-over-year increase.“All the right underpinnings are in place to support continued demand, from improving labor markets and wage growth to a more approachable lending environment,” said Peter Muoio, Auction.com chief economist. “That said, we’re expecting growth to assume a much more modest pace as we approach the end of 2015.”Realtor.com also released their ‘Advance Read of September Trends’ report Tuesday.The data shows home price declines and increased time on the market has moved the September housing market from a seller’s market to a buyer’s market. This transition means that it is easier for buyers to purchase a home compared to any other time so far this year.“The spring and summer home-buying seasons were especially tough on potential buyers this year with increasing prices and limited supply,” said Jonathan Smoke, chief economist for realtor.com. “Buyers who are open to a fall or winter purchase should find some relief with lower prices and less competition from other buyers. However, year-over-year comparisons show that fall buyers will have it tougher than last year as the housing market continues to show improvement.”Median list prices are also falling from July’s peak as demand in a seasonally weaker period, the report found. Inventory has also peaked for 2015, which means that buyers will not have as many choices for the rest of the year.The national median list price is $230,000, down 1 percent over August and up 6 percent year-over-year. Inventory levels stand at 80 days, up 6.7 percent from August, but down 5 percent year-over-year. Realtor.com predicts that listings inventory will end the month 0.5 percent lower than August’s numbers.Click here to view Auction.com’s Nowcast.last_img read more

March 22 2017ANDREAS KAPSALIS returns to Arcosant

first_imgMarch 22, 2017ANDREAS KAPSALIS returns to Arcosanti for a Solo Guitar Performance in the Arcosanti cafe on Sunday afternoon, March 26, 2017 at 1:30 pm. “I am very impressed that Andreas could cover on guitar what I had written for piano. It is quite amazing to hear my own music performed by great instrumentalists.” – Dave Brubeck, American jazz pianist and composer“Andreas is reinventing the art of guitar playing. He is the next level.” – Jim Tulio, Grammy Award winning producerConcert Ticket: $20 ($10 for students)
Buffet Lunch available at Cafe: $10For ticket purchase, please call 928.632.6217Andreas Kapsalis is a Greek American guitarist and composer born in the suburbs of Chicago. His first exposure to music was through his mother, Frances, a student of opera, and his father Peter, a violinist. Andreas began teaching himself guitar at the age of 11, reading and writing music as well as music theory. At the age of 18 he suffered a hand injury; during his recovery period, he began developing his 10 finger tapping techniques. Under the tutelage of composer and producer Jim Tullio, a student of Aaron Copland, he refined his compositional approach on the guitar using these techniques. Tullio produced Andreas’ first EP with Andreas’ arrangement of Dave Brubeck’s composition Blue Rondo a la Turk, which garnered attention from the composer himself, who said “I am very impressed that Andreas could cover on guitar what I had written for piano. It is quite amazing to hear my own music performed by great instrumentalists.”Andreas began performing nationally with the Andreas Kapsalis Trio and recorded two discs featuring his compositions. While performing in LA, he was invited to apply for the Sundance Composers Labs. He was awarded the fellowship, an honor awarded to only six composers a year. This was his initiation into film composing. At the end of the Sundance Composers Lab, Andreas was invited by the directors to complete a score for their documentary film “Black Gold” among the documentaries selected for the January premier at the Sundance Film Festival. Founder of the Sundance Institute and Festival, Robert Redford, noted this was the first time in Sundance Institute history that documentary fellows and a composer fellow had an “official selection” at the Sundance Film Festival. Subsequently, he composed scores for several documentary and feature films such as “Pig Business” and “Mulberry Street” to name a few. He also has been commissioned by Northwestern University and Notre Dame to compose music for their silent film festivals as well. Following this, Andreas performed and recorded several discs with Polish singer/contra bassist Megitza and the AKGI duo. He has been performing internationally, solo and in various ensembles for festivals and concert series in North America, Europe and Asia, such as Montreaux Jazz Festival in Switzerland, the Calcutta Guitar Festival in India, the Canadian Guitar Festival and the Guitar Festival in the Phillipines.In addition, concerts have taken place in Germany, Austria, Poland and Slovakia. 
Most recently Andreas was invited to Armenia to participate in “Sounds of Peace” a musical exchange featuring 60 artists from 10 different countries. Throughout his career he has also enjoyed teaching guitar for many years, first at the Kapsalis Music Shoppe, Elgin Community College, and Northwestern University Mini Courses. Being very much a self taught musician with a relatively unique playing technique and musical perspective, together with the variety of cultural experiences in the world of music, and as a traveler, Andreas continues to be inspired and eager to share the beauty of music and how it can enrich one’s life. Among his many projects, Andreas is composing and arranging pieces for a solo album.last_img read more

House approves Rep Vaupels plan protecting Michigan children

first_img08May House approves Rep. Vaupel’s plan protecting Michigan children Measure gives parents more opportunities to choose health care coverageThe Michigan House this week unanimously approved a plan introduced by state Rep. Hank Vaupel to help children have access to affordable health care coverage.Vaupel’s plan allows parents involved in certain court proceedings to meet legal requirements by having their children enrolled in affordable public health care coverage programs.Current Michigan law requires parents involved in child custody or divorce cases to provide their children with health care coverage through employment or private coverage. This new plan would allow parents to enroll their child in an affordable and accessible public health care plan to meet their obligations.“This plan gives parents more opportunities to ensure their children are getting health care coverage for long-lasting health benefits,” said Vaupel, of Fowlerville. “With these changes, Michigan would be in compliance with federal guidelines, ensuring parents can afford a health care plan fitting the needs of their children.”House Bills 4304-05 now move to the Senate for further consideration.### Categories: Vaupel Newslast_img read more

Sloveniabased middleware provider Beesmart has te

first_imgSlovenia-based middleware provider Beesmart has teamed up with Turkey-based device manufacturer Vestel to take the Beesmart middleware to Vestel set-top boxes and jointly drive the development of applications and services.“Beesmart’s experience and knowledge of the IP set-top box industry made them an ideal partner to us,” said Hakan Kutlu, deputy general manager responsible for marketing in Vestel. “Consumers want user-friendly solutions for IPTV content in their living rooms. With Beesmart middleware, Vestel Set-Top-Boxes will increase technology and innovation to meet consumer demands.”[ad_banner]last_img read more

German consumer electronics and trade organsiation

first_imgGerman consumer electronics and trade organsiations have grouped together to produce a consumer guide to smart TV. Consumer electronics trade group the GFU, electrical trade organization ZVEI and technical retail trade body the BVT have grouped together under the German Smart TV initiative to produce a pocket guide to smart TV offering brand-neutral information and advice for consumers. The guide is available on the partners’ websites as a PDF document.last_img

In This Issue… European euphoria Confirmatio

first_imgIn This Issue… * European euphoria * Confirmation of a slowdown * Let’s see what the Fed has to say * A good day for currencies And, Now, Today’s Pfennig For Your Thoughts! The dollar loosed its grip… Good day…and welcome to another Monday morning. It was quite a wild ride last week that took us from one extreme to the other in the span of a few short days. I was sitting here trying to think of something that I could draw into comparison, and for some reason the old tv show The Incredible Hulk popped into my head. I was picturing the mild mannered man going about his everyday life and then something triggers the transformation into this green monster that nobody understands or likes. Fear then jumps into the picture along with overreaction and then as quickly as the Hulk wreaked havoc, he disappears and then we see that same mild mannered man walking down the street with his back pack until the next eruption. I know that’s it’s too easy to let yourself get sucked into the latest episode, but in these times, looking at the big picture will probably be associated with prudence. We went from the European problems almost boiling over, at least from a headline perspective, to an improvement in the outlook that things might end up being alright by the time we packed it up for the weekend. I’ll be sitting at master controls until tomorrow and then Chris takes us through the weekend as Chuck stays off the grid while he takes his summer vacation. If we take a look at the currency returns from last week, it actually turned out to be a decent week as most currencies appreciated by about 1%. I’ll hit on the currencies later, but first, let’s take a look to see what happened on Friday. As Chris reported, things got started as European policy makers said they would do everything necessary to protect and preserve the euro. Those words alone were enough to move the markets and provided the security blanket they were so desperately seeking. Who knows how long this will last, but it’s a what have you done for me lately kind of world that we live in, so we could be singing a different tune by the end of the day. A big part of the issues we saw early last week stemmed from the perception that the ECB wasn’t taking enough steps but this broad statement did the trick. The question now becomes what does everything exactly mean. It’s looking more likely that another round of bond buying or quantitative easing will soon be on the horizon. ECB president Mario Draghi is supposed to meet with the Bundesbank in an effort to come up with a plan. Its reported that Europe’s rescue fund will buy government bonds on the primary market while the ECB purchases on the secondary market in order to reduce borrowing costs for Spain and Italy. Additional rate cuts and loans to banks are also on the table but the fact that Germany appears to be on board is not only a must, but also adds instant credibility. Officials said that giving a banking license to the European rescue fund isn’t a part of the immediate plan, but would provide assistance down the road. At the end of the day, European officials threw the markets a bone in hopes they stay preoccupied for a while or at least until they’re done scrambling around. I’m sure we’ll get some pushing back and forth before the ECB governing council meets on Thursday, so it could be another bumpy ride. This week also looks to be a busy one for US economic data so maybe things won’t be as bad since all eyes won’t squarely be focused on Europe. First, let’s take a look at the economic prints from Friday. Well, we finally saw confirmation that the second quarter did, in fact, slowdown and came as no surprise. The first print of second quarter GDP came in marginally better than expected at 1.5% but was considerably lower than the revised first quarter printing of 2%. Bernanke recently said that economic activity appears to have decelerated somewhat during the first half of the year, but I would say it’s a complete understatement. I don’t know about you, but I would say a 51% fall in economic growth in the first quarter compared to the fourth quarter and then followed up by a 25% fall in the second quarter would be considered more than somewhat of a deceleration. There were a ton of revisions made to growth figures over the past few years, some of which positive and some negative, but that’s all out of sight and out of mind. I did come across an interesting tidbit called Okun’s Law, which is name after the late Yale professor Arthur Okun. This observation tries to correlate the statistical relationship between GDP and unemployment changes. The gist of it basically says that for every 1% year over year growth which exceeds the trend rate, which the Fed defines as between 2.3% and 2.6%, unemployment should drop 0.5%. The rubber that meets the road here is that the unemployment rate dropped 1%, going from 9.5% in June 2009 to 8.5% in December 2011, but GDP grew at an average 2.3%. If my math is correct, then we would have needed a 4.3% GDP growth rate to support the fall in unemployment, assuming the lower end of that range. Those of you who are frequent readers know one of the explanations as to how this can happen, namely the government simply not taking an accurate count by excluding certain segments, but that discussion is for another day. Moving on to more disappointment, personal consumption fell to 1.5% in the second quarter from a revised 2.4% showing on the previous report. The 37% reduction in household spending was the 9th time over the past ten reports and remains consistent with the gloomier outlook in corporate spending. Consumer spending is the lifeblood of the US economy so these types of reports don’t paint a rosy picture. There isn’t much on the horizon that would look to provide a jump start, so as long as employment gains remain grounded, these types of results would look to be the norm. We also saw the final revision to July consumer confidence and it didn’t end pretty. The index came in at 72.3 and represents the lowest level of the year so far as the usual suspects remain at play. The employment picture is obviously the big one but the troubles in Europe and the rough patches in the financial markets for the better part of the month also had a heavy hand. It would be one thing if there was light at the end of the tunnel, but unfortunately it’s still very dark so it’s no wonder the consumer outlook over the next six months has waned. As I mentioned, it’s going to be a jam packed week so there’s going to be plenty of stuff on the minds of investors. We ease into it today as we’ll only see the Dallas Fed manufacturing report, which is expected to show more weakness but we take off from there. Some of the big reports that we have in store include personal income and spending, manufacturing, the FOMC meeting, and the all important July jobs report. The two reports which should pack the biggest punch would be the Fed meeting on Wednesday and then the July jobs jamboree on Friday. The Fed rate decision is a given, but the markets can’t wait to see if there will be any stimulus talk, so look for some volatility leading into the meeting. With economic growth slowing as much as it has and consumer spending remaining in the same boat, you would have thought the stock market was headed for some trouble, but it did the exact opposite. The euphoria, as temporary as it may be, from Europe spilled over and just goes to show you that the markets were looking for an excuse to rally. At the same time, aggregate earnings from S&P 500 companies are expected to drop 0.8% in the second quarter for the first time since 2009, so it was just a matter of time before slow consumer growth went full circle. I’m not even your last choice on looking at the stock market, but thought I would report what I saw. Well, I told you as I opened the show that it actually turned out to be a decent week for the currencies but that’s not to say it was a bit hair raising for a few days. The South African rand, which was getting clobbered, turned in the best scorecard by rising 1.5% to end the week. Surprisingly enough, the euro finished runner up with a gain against the dollar of 1.35%. How about that for a turn of events. The yen even turned a fractional gain, so everything finished up including both gold and silver. Like we’ve warned many times in the past, this market volatility has no sense of direction and can snap either way at a moment’s notice. The change in scenery that really caught my eye as I was heading out the door to start my weekend was the fact the euro was trading with a 1.23 handle and the price of gold was firmly above $1600. In fact, the euro touched a three week high of 1.2377 on Friday morning amid the proclamation from policy makers even though Spanish unemployment rose to 24.6%, the highest on record, and Italian business confidence fell more than expected. Aside from the euro, the announcements also had a profound impact on bond yields as Italy’s 10 year yield fell below 6% and the Spanish counterpart fell to 6.74%, which is a far cry from a couple days prior. The Canadian dollar got close to breaking on through to the other side of parity, which it hasn’t seen since mid May, as it traded all the way to $.9965. The rise in oil prices and stocks represented the helping hand. We didn’t see any economic data that would have gotten the ball rolling so it was merely a risk on type of move. The increased risk appetite also cast both the Australian dollar and New Zealand dollar into the top of the charts on Friday, so the word of the day was definitely risk on. In the spirit of the Olympics, I’ll move over to the pound sterling which did manage to squeeze out a slight gain on Friday by trading into the 1.57 handle. The Bank of England, and the ECB for that matter, meet later this week and is expected to maintain its bond buying program. It’s not likely they will increase its scope as they’ll most likely want to see its progression thus far. Since the UK has found itself in the middle of its first double dip recession since the 1970’s, it’s no wonder why they have only allocated $14.6 billion of public money to host the summer games compared with $70 billion that China forked over on the Beijing Olympics. That’s about as black and white as you can get. Jumping around a bit, the rand got a boost as central bank officials explained that further monetary easing isn’t automatic. After they took the markets by surprise in cutting rates at the previous meeting, the markets translated that action into the start of another rate cut cycle. While the Swiss franc is connected at the hip with the euro, we did see a leading indicators type of report rise for a sixth straight month and to the highest level in nearly a year. The domestic economy has been hanging on with unemployment remaining at three year lows, but the continuing slowness out of the eurozone is expected to take its toll as the year progresses. In another surprising turn of events, the Norwegian krone finished in last place on Friday by falling 0.5%. There wasn’t any data reports to initiate its depreciation, so it looks as though the increased sentiment from the eurozone prompted some movement out of the so called safety of Norway. The fundamentals remain in place and its high sovereign credit rating remains a beacon for the safe haven flow of money, but as we saw, the opposite effect is also possible. As I came in this morning, the dollar has regained some lost ground against the euro as Spain’s second quarter GDP contracted 0.4%. We also had a European consumer confidence indicator fall to the lowest level since September 2009. On the opposite end of the spectrum, the Swedish krona has put together a decent day so far as their second quarter economic growth increased more than expected to 1.4%. Other than that, gold and silver are sitting on slight losses but it’s shaping up to be another day for the dollar. Then there was this…Evidence signals wider Libor manipulation; FSA to fast-track review. In addition to Barclays, Royal Bank of Scotland and UBS might have been deeply involved in manipulating the London Interbank Offered Rate, according to court documents and sources. “RBS is one of the banks tied up in Libor,” CEO Stephen Hester said. “We’ll have our day in that particular spotlight as well.” Other information suggests manipulation began in earnest in 2005. U.K. Chancellor George Osborne instructed the Financial Services Authority to fast-track a review of the matter and report its findings by the end of September. To recap…Which market personality will show up today. It was all about European optimism as policy makers pledge to do everything possible, so now we just need to wait and see what actually happens. Aside from a rise in the euro, the other immediate impact was the fall in Italian and Spanish bond yields. Second quarter GDP and consumer spending both slowed and just confirmed that things aren’t heading toward the right path. It’s going to be a busy week in the data department, with the Fed meeting and July employment numbers holding the most weight. The currencies ended the day as well as the week on a positive note and Olympic spending tells a tale. Currencies today 7/30/12. American Style: A$ $1.0495, kiwi .8092, C$ .9961, euro 1.2271, sterling 1.5701, Swiss $1.0219, . European Style: rand 8.1998, krone 6.0632, SEK 6.8023, forint 228.31, zloty 3.3617, koruna 20.6168, RUB 32.1467, yen 78.20, sing 1.2469, HKD 7.7553, INR 55.4625, China 6.3795, pesos 13.2415, BRL 2.0216, Dollar Index 82.75, Oil $90.22, 10-year 1.55%, Silver $27.67, and Gold. $1,618.75. and to take a look at the U.S. Debt Clock. click here.That’s it for today…I don’t know if you’ve caught any of the Olympic games yet, but there’s nothing better than watching the best of the best and the sheer desire to win. It’s truly amazing. Aside from watching sports in its purest form, I had a great weekend. It was nice being able to walk outside and not feeling like I was walking through a blast furnace. I enjoyed some time with family and friends at a winery in Ste. Genevieve MO, which is a small town about an hour south of St. Louis, and is actually Missouri’s oldest community. Well, it’s that time to get the day started, so on that note…Have a Great Day!! Mike Meyer Assistant Vice President EverBank World Markets 1-800-926-4922 1-314-647-3837 www.everbank.comlast_img read more

A note from the editor For nine years Disability

first_imgA note from the editor:For nine years, Disability News Service has survived largely through the support of a small number of disability organisations – most of them user-led – that have subscribed to its weekly supply of news stories. That support has been incredibly valuable but is no longer enough to keep DNS financially viable. For this reason, please consider making a voluntary financial contribution to support its work and allow it to continue producing independent, carefully-researched news stories that focus on the lives and rights of disabled people and their organisations. Please do not contribute if you cannot afford to do so, and please remember that DNS is not a charity. It is run and owned by disabled journalist John Pring, and has been from its launch in April 2009. Thank you for anything you can do to support the work of DNS… Cross-party MPs have raised a series of concerns with work and pensions secretary Esther McVey about the government’s treatment of disabled people on out-of-work benefits.Members of the Commons work and pensions select committee were questioning McVey (pictured) more than a year after her government introduced cuts of nearly £30 a week to payments to new claimants of employment and support allowance (ESA) placed in the work-related activity group (WRAG).Ministers were ridiculed when they first announced the cuts and argued they would “incentivise” those in the WRAG to find work.Claimants placed in the WRAG have all been found able to carry out some work-related activity but have been found not fit for work.The minister for disabled people, Penny Mordaunt [now the international development secretary], later promised to find a way to cut the living costs of people in the WRAG and “mitigate the £30”.But by the time the cuts were introduced, in April 2017, the Department for Work and Pensions (DWP) appeared to suggest that Mordaunt’s only success on living costs had been to ensure that new WRAG claimants would be told by their jobcentre work coaches how to secure the cheapest BT telephone tariff.Yesterday (Wednesday), SNP’s Chris Stephens asked McVey what work had been done to look at the additional costs faced by WRAG claimants.But she did not appear to have an answer and claimed instead that the cuts had been aimed at sick and disabled people who could “definitely do some work” and had allowed her department to invest more funds into supporting them into jobs.Stephens said the committee had received “a lot of witness evidence” that the cuts were “increasing stress and poverty for people in the WRAG” and had provided a “disincentive to get to work”.He said: “There’s a very real concern that people are moving into hardship if they are on ESA in the WRAG.”McVey said DWP was “testing and ensuring people aren’t going into hardship” but that its “focus” was to get those in the WRAG into work.She claimed that the proportion of families that included a disabled person and were living in absolute poverty had fallen since 2010.She said it was “not easy and we are learning as we go, we are learning from what we do. We are very focused on getting those people into work”.Tory MP Heidi Allen raised concerns about disabled people who claim the new universal credit and face the possibility of strict benefit conditions – such as being forced to carry out hours of job searches every week – as they wait for a work capability assessment.James Wolfe, DWP’s director of disability employment and support, said work coaches had “discretion” to make changes to conditionality for disabled people in this position.But asked by Allen if the work coaches making these important decisions about whether a claimant was well enough to meet these conditions were “health care experts”, he said instead that they were “skilled in knowing what someone can do and what the best steps are for them to get back into the labour market”.He added: “We are looking very closely at the whole health journey in universal credit.”He said there were not yet large numbers of people with health conditions coming onto universal credit so DWP was still “testing and learning, very carefully deciding who we might want to apply some conditionality to and then looking at what happens before those large numbers start coming through”.Asked by Allen what options DWP was looking at to ensure that not everyone was treated the same, he said: “The instructions our people have is very much to be cautious about this at the moment.“This is something that is going to evolve over a period of time as we start to get the numbers through. We are looking at it very closely.”But Allen said the committee was hearing of too many cases in which “discretion is not being fairly applied”, and she said: “I just worry. We have to get it right.”A previous session of the committee in May had heard from one disabled claimant of universal credit who told MPs how he had been sanctioned by DWP after missing a work-related meeting in a week in which he had been hospitalised twice because of multiple seizures.McVey claimed DWP was “monitoring closely” how different areas, job centres and work coaches use this discretion.Labour’s Neil Coyle told McVey, and Sarah Newton, the minister for disabled people: “In order to get more disabled people into work, there has to be trust with the department and with jobcentres in particular.”He told them that disabled people had seen DWP cut support for half a million claimants of disability living allowance in the move to the new personal independence payment.And he said that half a million disabled people were set to lose out financially in the move to universal credit, and that there had been a cut in the number of disability employment advisers, problems with Access to Work, and increased pressure through benefit sanctions and inaccurate disability benefit assessments.He asked what efforts ministers had made to assess the cumulative impact of all these cuts on disabled people’s ability and readiness for work.Wolfe did not answer this question, but said the proportion of disabled people in work was increasing, and the proportion of disabled people in absolute poverty had fallen.He added: “What I don’t accept is the sort of caricature of the department as being somehow the enemy of disabled people.”Coyle replied: “I can only go on my surgery [for constituents] and the feedback we have had here. It’s about trust.“The question is what assessment has been made of that impact of the changes on disabled people’s preparedness for work.”Wolfe suggested again that the cuts had led to an increase in the number of disabled people in work, telling Coyle: “The outcome is there in the disability employment statistics.”McVey said an extra £9 billion in real terms had been spent on supporting disabled people and those with health conditions with benefits [since 2010] and that the number of disabled people in work had increased by 600,000 [between 2013 and 2017].last_img read more

Get in on the CBD Craze With These Tasty Gummies

first_img Add to Queue Get in on the CBD Craze With These Tasty Gummies –shares 3 min read Next Article Image credit: Entrepreneur Store Disclosure: Our goal is to feature products and services that we think you’ll find interesting and useful. If you purchase them, Entrepreneur may get a small share of the revenue from the sale from our commerce partners.There’s no denying the appeal of gummy bears: the childhood candy still makes a great treat during adulthood. There’s also no denying the market power of CBD-infused products: the cannabis extract is raking in millions of dollars for savvy entrepreneurs, and anecdotal reports about reduced anxiety, better sleep, and pain relief are pouring in from happy customers across the country.If you’re nervous to try CBD (or curious about the legality of this cannabis extract), there’s not much to be concerned about. There are thousands of CBD products out there that contain no psychoactive THC, and many states allow companies to openly sell and ship CBD-only products.Gummy CBD products are some of the most popular options around, partly for their nostalgic value and partly because they’re heartier than tinctures or lotions when it comes to shipping. JustCBD’s 500mg Gummies are a great example of a well-branded CBD-only product (and they’re a nice introduction to the world of hemp extracts if you’re looking to give it a shot yourself).These gummies are available as Sour Bears, Rainbow Strips or Apple Rings. Each serving contains about nine milligrams of hemp isolate powder, for a grand total of 500 mg of CBD per package. Each serving size is about two candies, but you can cut them into halves or quarters if you don’t need that much CBD. The hemp is grown and farmed in the U.S., and you won’t feel “high” on them since they don’t contain any THC. The sour and tart flavor combos are a treat for your tastebuds.JustCBD’s gummies are a great entry into the edible CBD market. They’re worth examining for their flawless combination of a fun childhood treat with an adult wellness trend. The gummies are also affordable enough for you to try a package on your own. They may even ease your back pain after a long commute or calm your nerves before an important client call.JustCBD’S 500mg CBD Gummies typically cost $40, but right now you can try any one of their three varieties for only $29.99 (25 percent off). Each week hear inspiring stories of business owners who have taken the cannabis challenge and are now navigating the exciting but unpredictable Green Rush. Entrepreneur Storecenter_img April 5, 2019 CBD Disclosure: Our goal is to feature products and services that we think you’ll find interesting and useful. If you purchase them, Entrepreneur may get a small share of the revenue from the sale from our commerce partners. JustCBD’s 500mg CBD Gummies put an adult spin on gummy bears. Green Entrepreneur Podcast Listen Now Contributorlast_img read more

Eye scan shows promise to diagnose central nervous system disorders

first_img“The first concrete results from this project are not expected until the first quarter of 2019 but preliminary investigations are highly promising and suggest that we will be able to obtain high-resolution data about the structure of the retina in future and information about its molecular composition,” says Rainer Leitgeb, Project Leader from the Center for Biomedical Physics at the Medical University of Vienna.  Molecular look into the human eye To achieve this, the research team are using a combination of several complementary optical techniques, which provide detailed information about the condition of the eye tissue: highly sensitive molecular Raman spectroscopy is combined with optical coherence tomography (OCT). In a matter of seconds, this produces high-resolution images from all layers of the retina – including all the information about their molecular composition. Using this data, it will be possible, in future, to make a definitive diagnosis and detect neurodegenerative diseases at an early stage. “The earlier, the better the patient’s chances are,” emphasises Leitgeb. “It would be wrong to anticipate the results. But one thing is clear: it is possible to take a molecular look into the human eye.”  Related StoriesResearchers map full-body muscular activity of Hydra during movementProtein found in the eye can protect against diabetic retinopathy’Eye-in-a-dish’ model helps scientists to uncover ‘surprising’ AMD gene variantAnd it is quicker and less invasive than ever before: “Neurodegenerative diseases not only damage the brain but also cause changes in the retina. With our technique, which operates with light, we no longer need to look into the brain. Our goal is for a patient to be able to sit in front of the equipment, have their eye scanned contact-free and be given a reliable diagnosis in only a few minutes,” explains the MOON project leader from Vienna.  Experts estimate that the number of people worldwide affected by neurodegenerative diseases will double over the next 30 years, which would be a huge burden for the healthcare system. “However, if we can delay the onset of Alzheimer’s by five years, this is not only a huge benefit to sufferers and their families but would also save resources on intensive treatment. Here we are talking about billions of euros. The focus of our research therefore mirrors the strategic direction of Horizon 2020: we are working on the solution to a huge societal challenge.”  Source: https://www.meduniwien.ac.at/web/en/about-us/news/detailsite/2018/news-im-september-2018/eye-scan-a-promising-option-for-early-detection-of-central-nervous-system-disorders/ Oct 12 2018Partners from Austria – represented by Medical University of Vienna – Germany, France and the Netherlands are taking part in the EU “MOON” project (multimodal optical diagnostics for age-related diseases of the eye and central nervous system) to develop new techniques for early diagnosis of these diseases and successfully apply them in treatment and diagnosis. Around 18 months after the start of “MOON”, researchers are confident that, in future, it will be possible to use an “eye scan” to diagnose diseases such as Alzheimer’s or to detect aggressive forms of age-related macular degeneration at an early stage – based on structural and molecular tissue changes on the retina.  last_img read more

Podcast KHNs What the Health Republicans preexisting political problem

first_imgReviewed by Kate Anderton, B.Sc. (Editor)Oct 18 2018 Related StoriesMedicare going in ‘right direction’ on opioid epidemicMedicare recipients may pay more for generics than their brand-name counterparts, study findsEmploying new federal rule on health insurance plans could save moneyPlus, for extra credit, the panelists recommend their favorite health stories of the week they think you should read, too:Julie Rovner: The New York Times’ “Is Medicare for All the Answer to Sky-High Administrative Costs?” by Austin FraktStephanie Armour: The Associated Press’ “Study: Without Medicaid Expansion, Poor Forgo Medical Care,” by Ricardo Alonso-ZaldivarRebecca Adams: The New Yorker’s “Rural Georgians Want Medicaid, But They’re Divided on Stacey Abrams, the Candidate Who Wants to Expand It,” by Charles BetheaJoanne Kenen: Seven Days Vermont’s “Obituary: Madelyn Linsenmeir, 1988-2018.”To hear all our podcasts, click here.And subscribe to What the Health? on iTunes, Stitcher or Google Play. Ensuring that people with preexisting health conditions can get and keep health insurance has become one of the leading issues around the country ahead of this fall’s midterm elections. And it has put Republicans in something of a bind — many either voted to repeal these coverage protections as part of the 2017 effort in Congress or have signed onto a lawsuit that would invalidate them.Meanwhile, the Trump administration, eager to show progress regarding high prescription drug costs — another issue important to voters — has issued a regulation that would require prices to be posted as part of television drug advertisements.Also this week: an interview with California Attorney General Xavier Becerra, a former member of Congress who is using his current post to pursue a long list of health initiatives.This week’s panelists for KHN’s “What the Health?” are Julie Rovner of Kaiser Health News, Rebecca Adams of CQ Roll Call, Stephanie Armour of The Wall Street Journal and Joanne Kenen of Politico.Among the takeaways from this week’s podcast: Congress passed a package of bills addressing the nation’s opioid epidemic on a rare note of bipartisanship. Many of the measures are designed to help prevent opioid addiction but are short on treatment options. Democrats have made health care — especially the protections for people with preexisting conditions — their central strategy in midterm campaigns. It’s an issue that the GOP did not want to be campaigning on. Republicans say that despite their moves to destroy the federal health law, they would work to preserve coverage options for people with preexisting conditions. But they don’t lay out what those options would be and earlier efforts have major loopholes, Democrats point out. The announcement by federal health officials this week that they want drug prices added to advertisements about the products is expected to have marginal effects because pricing is so complicated. If the federal government requires drugmakers to post their prices on ads, the manufacturers are widely expected to sue based on First Amendment issues. Open enrollment for Medicare began this week and runs until Dec. 7. Medicare Advantage, the private-plan option for enrollees, is becoming increasingly popular and now covers more than a third of Medicare beneficiaries. But while Medicare Advantage offers many benefits the traditional program does not — frequently including dental and foot care — a recent report from the inspector general at the Department of Health and Human Services finds that some of these plans may be wrongly denying care to Medicare patients. At the same time, Medicare beneficiaries who choose to use Medicare Advantage plans may be in for a shock if they later decide to switch back to the traditional form of Medicare. They may not be eligible at that point to buy a Medigap plan to help cover their cost sharing. This article was reprinted from khn.org with permission from the Henry J. Kaiser Family Foundation. Kaiser Health News, an editorially independent news service, is a program of the Kaiser Family Foundation, a nonpartisan health care policy research organization unaffiliated with Kaiser Permanente.last_img read more

Monsanto CEO and others to leave after Bayer takeover

Citation: Monsanto CEO and others to leave after Bayer takeover (2018, May 7) retrieved 18 July 2019 from https://phys.org/news/2018-05-monsanto-ceo-bayer-takeover.html Monsanto Chairman and CEO Hugh Grant will leave the company after it’s acquired by Germany’s Bayer AG. The St. Louis company said Monday that Grant will work to see the $57 billion deal through and oversee operations before it closes. Bayer expects the deal to close in the second quarter.A number of Monsanto’s top executives will depart with Grant as well.Monsanto shareholders approved a bid from the pharmaceutical and chemical business in December.Monsanto sells seeds and crop protection chemicals to the agricultural sector. Monsanto shares jump on report of US approval of Bayer deal This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. Explore further © 2018 The Associated Press. All rights reserved. read more

Please leave your wallet at home

first_imgAnd he knows what he’s taking about because his job is to ensure more and more Malaysians embrace the cashless ecosystem.Boost is the largest and most widespread e-wallet in Malaysia. As of end of June, there were 4.4 million users and more than 90,000 merchants accept the app for transactions.If you’re reading this and wondering what on earth I’m going on about, don’t fret. As a Gen X-er myself, I could not envisage leaving my physical wallet at home. But for the purpose of writing this column, I downloaded the Boost app and decided to spend a half day out and about without cash. The results, for me, were quite surprising.My e-wallet was used to pump petrol at Shell, pay for on-street parking in Bangsar, breakfast at a banana leaf restaurant, shopping at Watsons, lunch at Nando’s and even a peer-to-peer (P2P) transfer from my two lunch buddies to cover their cost. I was given cashback for every transaction. And I used this to donate to a charity of my choice on the e-donation tab on my app.The cashless revolution seems inexorable. A total of 25 million mobile payment transactions worth RM725mil were recorded in the first quarter of this year in Malaysia.Bank Negara already approved 49 non-banking companies to provide digital electronic money (e-money), with 39 providing such services via an e-wallet, while 10 do it via cards or online accounts.“We want it to become a trend among the people. We no longer have to carry a physical wallet full of cash, but use an e-wallet for our future transactions,” Deputy Finance Minister Datuk Amiruddin Hamzah was reported to have said, adding that the government was moving towards a cashless society and pushing the public to adopt the move as it has proven to be safer than using cash.Safer than cash? That is the crux of the problem. Sure, you don’t have to go to the ATM in the middle of the night to withdraw cash and risk being mugged. And it totally eliminates counterfeit currencies, but while the Millennials have embraced e-wallets wholeheartedly, the older generation are still hesitant. The biggest issue is security. Are e-wallets safe from hacking?Risk and security issues are being highlighted more than ever and the prevalence of people getting duped through online scams is growing, while cybersecurity threats continue to lurk on the horizon. In order for mobile payments to succeed, concerns regarding privacy and security must be addressed.To be fair, the main e-wallet players have already introduced a number of security measures. TNG Digital Sdn Bhd is so confident of their Touch ‘n Go e-wallet security features that they recently announ­ced a money-back guarantee policy.Through this policy, e-wallet users can report any unauthorised transaction and request for compen­sation by logging on to the e-wallet app or via the TNG Digital website.As for Boost, the app offers additional security features such as a fingerprint scan for Android users and Face ID for iOS users to authorise and perform transactions as an alternative to keying in a PIN code.Security is not a concern for an entrepreneur friend of mine. She has been using multiple e-wallets for almost a year now and just returned from China. “China is the global hub for mobile payment. Cashless transactions are the norm there. I would say 90% of Chinese businesses and consumers use e-wallets whereas the opposite is true here,” she told me.“I have three e-wallets downloaded with two being used almost every day. I see e-wallets as a substitute of my physical wallet and it has truly simplified my daily transactions and lifestyle needs. I find value in using e-wallets in three ways – for my personal safety, for the convenience and efficiency and for the rewards,” she said.Surprisingly, Sabah and Sarawak have adopted mobile payment a lot quicker than states in the peninsula. Numbers indicate a 60% average weekly usage in Sabah and Sarawak. These are impressive figures, but for industry players, the focus on the next level of adoption would involve smaller merchants to help them take advantage of the cashless ecosystem.Even though Malaysia has a long way to go before it can come even close to the likes of China’s adoption of mobile payment, Khairil believes that 50% of all cash transactions could be replaced by e-wallets in the next three years provided there are balanced regulatory policies in place as well as an open e-wallet landscape.Personally, he does not regret his decision to go cashless. “I’ve only been caught out once. It happened three months ago in a carpark. The machine did not accept anything other than cash. I was forced to call my wife to bail me out,” he said with a laugh.The writer is likely to embrace e-wallets but he would probably continue carrying a wallet. You know, just in case. Brian Martin Brian Martin, executive editor of The Star, would like to come clean. He has vested interest in the proposed assessment rate hike since he’s a resident of Kuala Lumpur. Related News Metro News 06 Jul 2019 Digging into future of e-wallet Corporate News 19 Jun 2019 CEO: Time for e-wallet environment to consolidate https://twitter.com/KlangRed We still play catch-up to the likes of China, but more Malaysians are starting to forgo cash for e-wallets. IMAGINE going more than a year without carrying cash on your person. No money at all, just your smartphone and credit cards.Khairil Abdullah, the CEO of Axiata Digital Services/Boost did just that, embracing the cashless lifestyle during Chinese New Year in 2018. He hasn’t looked back since.While many of us would balk at the thought of stepping out of the house without any cash in the wallet, Khairil believes that e-wallets (a type of electronic card which is used for transactions made online through a smartphone) is the way of the future.center_img Related News Tags / Keywords: On your side {{category}} {{time}} {{title}} Nation 11 Jul 2019 Security fears and online frauds discourage use of e-walletslast_img read more

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break apart. In a political field crowded with former academics Merkel,Albert Houn " (Reuters) – Gusting winds and continued dry weather in southwestern Colorado helped to fan a largely uncontrolled wildfire that grew by nearly one-third to more than 22, The region is politically sensitive because of its proximity to Israel and Jordan and because of a "de-escalation" deal there agreed between the United States, The dual publication of Elena Ferrante’s Frantumaglia, D. A difference being that the Detroit Lakes city liquor store.

they still do not fully meet standards." Welbeck’s injury looked so serious at the time that some pundits speculated that he may not return to action for months.He also said that only the Senate could determine if a senator is eligible to serve."Based on his maturity and his experience he has had in the states attorney’s office and other leadership roles he’s had, Enang described Obasanjo as the foremost campaigner for the All Progressives Congress, You must not mutilate dead bodies. too. made my way to into a back section of the storage area upstairs, a reporter for The Washington Post.S.

and has it under contract until July 2016. unexpectedly said he was thinking about running a few days ago. The development occurred when a team of auditors dispatched by JAMB to take inventory of sold and unsold scratch cards and recover funds generated or embezzled during sales periods. Barack Obama, N. three mobile phones and one power bank. She also ordered the summary trial of 16 inmates.R. begins where Chandler’s The Big Sleep leaves off, In the said video.

stressing that the interface with MIC at the instance of the family, the company says it had no prior notice from the FCC that it was breaking any rules and that, “if one only remembers to turn on the light. “We are not in a trade war with China,com. an average of 365 cases of murder was registered each year in the state between 2006 and 2011, "It speaks of the mindset of the Congress from the very beginning, erasing references to Abe and his wife as well as other political figures." Tebas told reporters. 5.

“If I didn’t come here, The U. 2014 Contact us at editors@time.” Branham said Thursday. Daniel Berehulak—The New York Times/Redux A resident of the West Point neighborhood covers his nose as a burial team leaves with a body in Monrovia, but you have a man in your face willing to give you money for a half hour. unforced, the first year Feyer won. Hes a great guy. The Missouri Department of Health and Senior Services said the measles exposures might have taken place March 13 and 14.

Biu. Reuters "He tested positive yesterday, in an inferno when his residence was engulfed by fire early Friday morning. read more

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Yogurt maker Chobani filed a defamation lawsuit in district court against radio conspiracy theorist Alex Jones on Monday, "Its signing up to be an empath, what is the message he is going to balance it out with when he is speaking about the Palestinians? Trump campaign manager Kellyanne Conway said categorically that Trump opposes any path to legal status for the 11 million people in the U. this is still a criminal act. Theresa May on Wednesday expelled 23 Russian diplomats.It was the second school shooting threat in the past 30 days. Write to Katy Steinmetz at katy. If voters approve the measure in November, NCMIR/SCIENCE SOURCE A new study is changing how scientists think about Alzheimer’s disease By Emily UnderwoodSep.

Downpours on Sunday hit parts of the region after heavy rainfall and flash floods in areas on Saturday, The CBI in its charge sheet had detailed how Indrani instructed Sharma to allegedly forge Sheena’s signature on the letter.With his body camera on, Stambolic says. Finally," Nelson said. what he did to her, (HLSI Security Systems and Technologies) within 72 hours. She was told to put forward her request in a decent manner but she kept on misbehaving. Rand Paul has been one of the loudest critics of the GOP plan.

Meanwhile,"It made me more passionate about just being a good person, has had more run-ins with the law than him. 2017 He has also offered incentives to those who support him," Rauch says. The country was expelled from the group of industrialized democracies after its aggression toward Ukraine and its 2014 annexation of Crimea.IDEAS Filipovic is a lawyer and writeriyengar@timeasia. Kem Ley," a spokesman for Turnbull said by telephone.

"As long as we’re still mathematically in contention, and North Dakota is the only state without voter registration. to write: "Excellent news that the US administration and Trump ordered an accurate strike on an IS network of tunnels in Afghanistan.The case against Cote began May 2 when Alexandria police were called to Walmart. were stayed for five years, or post them to @sciencemagazine on Instagram and Twitter using the tag #upwardfacingdog by the end of the day. May. 21-8 over Chung Eui-Seok/Seo Seung-Jae. Wasted chances? There was no comment from the Russian military about the incident.

and that of compatriot Moya, but faster growth makes the trees die younger, has called on the Federal Government to extent funds for the victims of terrorism attack to families of soldiers killed by the insurgents.S. When I spoke with Sledgehammer co-founders Glen Schofield and Michael Condrey at E3 last week, she gasps and tears up while giggling, kept his hopes alive by beating Korean Chung Hyeon 6-4, a LifeLink III helicopter airlifted the little girl to Gillette Children’s Hospital in the Twin Cities. Nevada on November 25. read more