#forest financing quarterly

[intlforestday]

Operationalize the loss and damage fund to help compensate vulnerable nations for the impact of climate change.

This week, the 7th edition of the UNFF Clearing House on Forest Financing Quarterly Highlight newsletter was released. The newsletter provides a space to share information about recent developments, upcoming opportunities, learning materials, and other updates related to financing for forests.

The current edition highlights key developments at the UNFCCC COP28 the implications they have for forest financing. Climate finance discussions were a major highlight in Dubai with the agreement to operationalize the loss and damage fund to help compensate vulnerable nations for the impact of climate change. In addition, the global stocktake emphasized the current gap in climate finance and the importance of reforming the multilateral financial architecture and accelerating establishment of new and innovative sources of finance. Amongst the many announcements and pledges at COP 28, Brazil proposed the creation of the Tropical Forests Forever fund with an initial fundraising target of USD 250 billion and The World Bank announced a roadmap for growth of high-integrity carbon markets, including a target to produce up to 126 million forestry credits by 2028 through the Forest Carbon Partnership Facility.

[13thpythagoras]

yes, to this good solarpunk angel-fae vibe... I have more of a solarpunk-villainous-tiger's vibe as you can see below...

in staying true to the anti-fascist roots of the punk movement, I hope it's in every solarpunk's vocabulary to be able to identify petrofascism where you see it.

By hijacking our ability to store energy, and monopolizing it in the form of unburnt fossil fuel on tankers and in pipelines, today's fascism launders its financing through oil and gas, and this leads us to a world where we store-in-batteries less than 1% of electricity generated for the grid, because batteries for grid storage compete directly with this petrofascist control; some nations are struggling up towards 5% grid-storage capacity, with good energy storage initiatives, but in the USA / most of the world, the grid's power is either lost forever or used in the moment.

This is like a soup kitchen using fascist tactics to make sure no one else can sell food, yet also insisting that the only way they can serve soup is via a giant indoor soup-fountain-waterfall, that flows into a big drain to the sewer and when soup is ordered, they dip a ladle into the soup fountain and serve what the ladle catches. But if you try to start a rival food operation they come after you with underhanded tactics and break your kneecaps with goons.

I met a guy in the USA who took his suburban home off-grid fully, with solar and batteries only, type of situation where the batteries don't go below 85% day to day (it was also in a very sunny climate; solar's indeed solid in clouds too but supplemental energy generation may be needed from wind in cloudier climates); but the local electric utility was stalking and harassing him, even vandalizing his property- it sounded like a big ongoing struggle.

Anti-petrofascism has got to be out in the vocabulary- we have protests blocking all kinds of highways and roads happening these days, which is excellent initiative and seizing of space and power, but from what I've seen, unfortunately often these are only affecting working class traffic / people, and seem often out of touch with the goals of anti-petrofascism.

Why block a road to a hippie festival when you can block a road to an oil and gas investor-billionaire's home-neighborhood or corporate headquarters during their quarterly earnings report?

I mean, Burning Man didn't kill the electric car in the 1990s, that was GM, who got bailed out by Obama in 2008 but we call this a "free market." The USA got modest interest on the loan from Obama to GM, but the balance sheets didn't catch the L when we kept a monopolist-fascist entity intact rather than letting it die due to internal rot and corruption.

Instead of letting new trees grow in the forest, like the now-defunct-due-to-lack-of-investor-attention EV Motive Kestrel, that showed so much promise with a hemp-plastic carbon fiber chassis that was far more impact resistant than steel...

Instead of the Motive Kestrel we're seeing a ton more GM gas guzzlers and the EV movement is running out of momentum.

It's complete garbage to block roads of the working class, when oil and gas financiers and petrofascists get to have comfy lives while they choose to destroy the planet. We need to up the game and if a group has nerve to block roads, let it be for these places of financing-decision-making for oil and gas / petrofascism, like look at Warren Buffet, America's most beloved billionaire, basically capitalist Santa Claus, best personal PR on the planet, I'm basically a villain for even suggesting this part, but Warren Buffet is the biggest single investor in oil and gas, by my research, I dare anyone to find a bigger single person financing oil and gas... (at least in the USA)

Without Buffet's investments, Chevron would lose 1/4 of its investment capital overnight. But he lives a happy quiet life while the working class get our roads blocked for something we have no control over, because most Americans lick Warren Buffets boots all the time in the New York Times etc., while he is singlehandedly contributing most to the financing of the oil and gas industry (find me people who contribute more, I dare you! It's a big list to know).

I totally get the punk desire to "burn it all down," but I hope that burning-down starts with the stock prices of the oil and gas industry, please spare the working class.

So You Want to be Solarpunk?

If your neighborhood has a vacant lot, get some neighbors together and turn it into a community garden.

Organize a block party.

Create a maker space enabling folks to repair, repurpose, and swap their old stuff.

Organize a bunch of plant-savvy neighbors to help folks convert their yards from resource hungry yuppie lawns into something sustainable that fits the local biome.

Get a few friends together and clean up the trash on the streets. Make sure to recycle.

Set up Little Free Libraries and Little Free Pantries.

Get tool-savvy neighbors together to help folks with needed household repairs and upgrades.

The punk in solarpunk is about resistance to the alienation and consumer culture that makes our communities unsustainable and our environments toxic.

[ebizfilingindia-blog]

Section 206C of the Income Tax Act, 1961

Introduction

A new TCS section 206C (1H) was added to Finance Bill 2020. The updated section specifies that if a seller sells goods and the total sales value exceeds INR 50,00,000 (the threshold amount) in the same financial year, the seller must collect TCS from the customer. The content in this article includes eligibility requirements under Section 206 of TCS, the deadline for submitting TCS, and a definition of Section 206 of the Income Tax Act.

What is Section 206C of the Income Tax Act, 1961?

The Finance Act, 2020 has been amended by the government of India to insert a new Section 206C (1H) that covers the Tax Collected at Source (TCS) rules to the seller of goods. According to this section, if a seller receive more than INR 50 lakh from a single buyer in a single financial year, he must collect tax if his total turnover exceeds INR 10 crore. It is important to remember that when the payment is received, the TCS (Tax Collected at Source) needs to be paid.

A. The Income Tax Act defines a seller as:

The National Government,

The federal, state, or municipal governments, businesses, state governments, or other entities formed by law,

The cooperative societies, the corporation, and the firm,

HUFs (Hindu undivided families) or individuals whose accounts are audited for taxes under Section 44AB.

B. “Buyer” is described under the Income Tax Act as:

“Buyer” is described in Section 206C clause as any individual having the right to purchase a particular product by any means, including auction, tender, sale, or other means. Every single one of these people is a buyer, except:

Any public sector company, the federal, state, or local governments, as well as any foreign state or club’s embassy, legation, commission, or consulate,

Trade representation from an international organization or state,

A buyer who purchased products for their own use at a retail sale.

What are the Qualifications under Section 206C of TCS?

Below is a list of the points that fall within Section 206C of TCS’s Eligibility Criteria:

This clause only applies to sellers whose total revenue in their financial year before the sale exceeds Rs. 10 crore.

Goods are not included in exports or those covered by sections 206C(1) — TCS on the sale of alcohol, tendu leaves, forest produce, and scrap; 206C(1F) — TCS on the sale of motor vehicles; and 206C(1G) — TCS on external remittance.

TCS is not needed to be reduced if the buyer is a Central or State Government, Embassy, High Commission, Legation, Consulate, Trade Representation of a Foreign State, or any local authority.

The seller is not obligated to collect TCS on transactions in which the buyer is required under any other provision of the Income Tax Act to deduct TDS from items that they have purchased from the seller, and they have already done so.

This rule does not apply to imported items into India.

What are the goods applicable and tax rate under Section 206?

The following is the list of goods applicable under Section 206 along with tax rate:

Timber obtained under a forest lease with the 2.5% tax rate.

Tendu leaves with 5% tax rate.

Scrap with 1% tax rate.

Alcohol for human consumption with 1% tax rate.

Timber obtained other than under a forest lease with the 2.5% tax rate.

Minerals including coal, lignite, or iron ore 1% tax rate.

Forest produce other than tendu leaves and timber with the 2.5% tax rate.

Note: Goods purchased by an Indian resident for the purpose of manufacturing or producing other items, as compared to trading, are free from tax under section 206C of the Income Tax Act. Buyers are required to file an application and deliver a copy to the Income Tax Department commissioner within 7 days of the sale’s completion.

What is the due date for filing TCS Quarterly?

The following are the due dates for filing Tax Collected at Source quarterly:

The due date for the quarter 1st April to 30th June is 15th July.

The due date for the quarter 1st July to 30th August is 15 October.

The due date for the quarter 1st October to 30th December is 15th January.

The due date for the quarter 1st January to 30th March is 15th May.

“Stay compliant with the latest tax laws using our Income Tax Filing Service. We provide personalized tax strategies to reduce your tax liability. Our secure, digital process ensures confidentiality of your financial data. Trust us for a smooth, efficient, and timely tax filing experience!”

Conclusion

Sellers whose entire sales value exceeds INR 50,00,000 in a financial year are subject to a tax collection obligation under Section 206C of the Income Tax Act, 1961. The purpose of this section is to guarantee that taxes on high-value transactions involving the sale of products are paid to the government. A restricted number of goods and services are subject to the tax, and sellers who sell goods to customers for more than INR 50 lakh are required to collect TCS at a rate of 0.075%. To avoid fines and interest, the TCS must be submitted with the government within a particular period of time.

[rocklandhistoryblog]

1874 Ramapo River, Engraving, Picturesque America, c. 1874

Image appeared in HSRC’s history quarterly South of the Mountains, 2005-10, Vol. 49, No. 4 in an article entitled: The Rockland County Conservation Association: 75 Years

Excerpt: It all began in the Suffern Woman’s Club when Mrs. Henry von L. Meyer, chair of the club’s conserva­tion committee, saw the need to enlarge the committee’s focus and take on county concerns. In 1930, she became the founder of the Rockland County Conservation Association.

Early Days

Much of RCCA’s early work con­sisted of informing the public of the resources of the county and striving to augment those amenities. The new organization sponsored picnic sites, roadside planting of bulbs and trees and raised funds to finance a commu­nity forest project of 100 acres of mar­ginal land at Summit Park. Members worked to make Rockland a “dogwood county,” regulate billboards and clean up the Hackensack River.

High Tor

The first big project that appealed to the public around and beyond the county was the purchase of High Tor. This mountain, made famous by Maxwell Anderson’s play of the same name, overlooks the Hudson at Haver-straw Bay. It was part of the ancestral farm of Elmer Van Orden, and, at his death in 1942, Trap Rock Company hoped to secure the site for quarrying.

To read the full article, visit the archived issue here: https://cdm16694.contentdm.oclc.org/digital/collection/hsrc/id/4600/rec/1

_____

"Picturesque America was a conspicuous presence in the popular culture of the United States in the post-Civil War years. First published as a magazine series in Appletons' Journal, then as a subscription book, in parts, from 1872 to 1874, it reached a huge audience. It's voluminous text and over 900 pictures represented the first comprehensive celebration of the entire continental nation... Picturesque America is one of the most important sources for understanding how Americans thought about themselves, their landscape, and the rest of the world in the decade following the Civil War.... "Picturesque America achieved unprecedented success... Its visual richness—more than nine hundred wood engravings and fifty steel engravings—accounted for much of its appeal in an age hungry for images. As recently as the 1870's, many parts of the United States were known to most Americans only from verbal reports, if at all... [Through the engravings] many Americans were seeing for the first time what they had only abstractly imagined as their country” (Rainey, Creating Picturesque America).

___

If you are not a member of the HSRC, please consider becoming one. Information about membership can be found here: https://www.rocklandhistory.org/product.cfm?category=17

[seedfinance]

These 11 tricks can cut your insurance bills by thousands of dollars

These 11 tricks can cut your insurance bills by thousands of dollars

The Americans had to pinch more pennies than usual last year.

The COVID pandemic resulted in a recession and grisly unemployment, forcing families to strive to find ways to cut their spending.

As you cut costs, don’t forget to take a close look at your insurance policies – you can easily pay too much for your different types of coverage.

Here are 11 ways you can save on your auto, life, health, and home insurance.

1. Review every insurance policy every year

Gunnar Pippel / Shutterstock

Before you start looking for savings, it is important to understand exactly what your current policies cover. While insurers try to keep their documentation relatively simple, the paperwork can still be confusing.

Don’t be afraid to speak to your insurance agent every year to discuss your insurance coverage, as you may find that your policies go beyond what you need. You’ll also want to keep an eye out for hidden fees.

For example, if you pay in monthly installments, you may end up costing more. There are administrative fees associated with processing payments. So see if you can pay quarterly or even semi-annually instead.

Life insurance policies can come with some potentially costly add-ons – called riders – that you can drop. Some examples are the “Premium Driver Waiver”, which exempts you from paying premium if you become seriously ill; and the “accelerated death grants tab,” which enables you to receive a portion of the death grants while you are alive if you become terminally ill.

2. Increase your deductibles

arka38 / Shutterstock

How much risk are you willing to take?

You can lower your auto, home and health insurance premiums by agreeing to higher deductibles – amounts of money you pay out of your own pocket for a claim before insurance does the rest.

Ask your agent how higher deductibles might affect your costs. If you have some cash to fund your claims, you can potentially save a decent annual premium.

The story goes on

For example, if you’re willing to increase your deductible from $ 500 to $ 1,000, auto insurer Progressive says you could cut the cost of collision insurance on your auto insurance by 31%.

Don’t forget about the long-term implications though: you can save money now if you are faced with a large bill in the event of damage.

3. Always shop for the best prices

Nebojsa Tatomirov / Shutterstock

There may be better deals out there – just look.

Whenever it is time to renew your policies, look for better rates – and don’t hesitate to let your insurance company know that you are reviewing the competition.

You could potentially save more than $ 1,000 a year by finding a lower price on your home insurance. You can save just as much, if not more, by comparing the rates of multiple auto insurances.

One of the most reliable ways to save on your current premium is to offer your insurance company a lower rate than a competitor has offered you. The insurer does not want to lose you as a customer and will probably adjust the other tariff.

4. Bundle your insurance policies

Karen Grigoryan / Shutterstock

Are Your Finances Frozen? It’s time to focus.

Bundling insurance means buying more than one product or policy from the same insurance company.

Why? Because there is often a discount. A company that offers both home and auto insurance will usually be happy to cut costs if you double down. Not only can you save money, but you can also make things easier by dealing with just one agent or insurer.

But be careful: while bundling may give you a discount, you may not get the best prices. Be sure to compare the package prices with those of other insurance companies.

5. Look for insurance discounts

Your production / Shutterstock

Auto and home insurance offer plenty of discounts to attract and keep customers, and you could easily miss a thing or two.

For example, if you are a military officer, officer, or have not filed for a long (or never) application, you can cut your costs significantly.

And while comparison buying is the best way to cut costs, companies reward you with loyalty discounts for staying a while.

The insurers’ websites usually have sections devoted to the discounts they offer. When you find one that you should get, check with your insurance company or agent.

6. Change from permanent to term life insurance

George Rudy / Shutterstock

Many people choose permanent life insurance that covers a person’s entire life and has a savings feature. A permanent policy is good if you want guaranteed death benefit for loved ones or if you want to leave cash to pay off your outstanding debts after you die.

For many others, term life insurance is sufficient.

Term Life is known to be cheap and inexpensive. It’s designed to protect your loved ones and family members if you die prematurely by providing a safety net for a limited period of time – usually 10, 20, or 30 years.

Your plan is locked for the entire term, so it is best to take out term life insurance when you are young and healthy.

There are websites out there that make it easy to find the right life insurance policy – it only takes less than two minutes to get a quote that suits your needs.

7. Improve your credit score

REDPIXEL.PL / Shutterstock

Insurance companies have found that people with lower credit scores are more likely to file claims. Because of this, they can take your creditworthiness into account when determining your premiums by creating and using what is known as an insurance credit score.

Some states (Massachusetts, Hawaii, or California) have banned auto insurance rate calculations, and others (Maryland and Hawaii) do not allow insurers to use credit information in determining homeowner premiums. In the other states, however, your focus should be on building your creditworthiness to get the best possible price.

The first step in increasing your score is to check them out frequently.

Services are available online that make it easy for you to get free creditworthiness insight and credit monitoring.

8. Improve your home

S.Phoophinyo / Shutterstock

Your home insurance covers you against most of what Mother Nature can do to you, including wind, hail, lightning and forest fires.

If you spend some time on a little home improvement protection, your insurance company will likely reward your efforts with a lower premium.

Consider adding storm shutters, reinforcing the roof, or doing other impactful renovations to add strength to your home.

You can also count on discounts for improving the security of your home, e.g. B. by installing a burglar alarm system or bolt locks. Talk to your insurer to see if the company recommends a specific security system. Some insurers will lower your rate by up to 20% if you install a sophisticated system.

9. Moving with cheaper insurance rates

Evgeny Atamanenko / Shutterstock

We don’t recommend traveling across the country hunting for the best insurance prices. However, once you’ve shortlisted a few locations for your next move, it may be worth checking your local insurance rates comparison.

Geography can play a big role for a number of reasons, including traffic, economic conditions, weather, or even just competition.

When it comes to auto insurance, you can find the cheapest rates in Maine and New Hampshire, US News found.

When it comes to health insurance, rural areas tend to have higher tariffs than suburbs and urban areas because it is difficult to cover a smaller number of people who are spread over a large area.

10. Get a job that covers health insurance premiums

fizkes / shutterstock

The most common way to get health insurance in the US is through an employer. But while some companies pay the majority of their employees’ health premiums, others require employees to pay more of the cost.

If health insurance costs are high in your workplace, you can start looking for a new job that will pay a higher percentage of your family insurance.

Some big companies like Starbucks and UPS even offer medical care to their part-time workers.

If you’re a part-time worker with no health insurance, you can use an insurance comparison site that searches hundreds of offers to find a policy with the best rates for your area.

11. Let your auto insurer see that you are a good driver

G-Stock Studio / Shutterstock

Would you like to prove to your car insurance company that you are taking a low risk?

Some insurers offer better rates if you have your driving monitored from a device in your vehicle or an app on your phone. The better the driver, the cheaper the insurance.

You can also take a licensed defensive driving course for a discount – and reduce the chance of getting into a costly accident.

Courses can cost anywhere from a few dollars to as much as $ 100. You can find one online or in person at a driving school where you live.

source https://seedfinance.net/2021/07/18/these-11-tricks-can-cut-your-insurance-bills-by-thousands-of-dollars/

[tedbaumanguru-blog]

Is Your Portfolio About to Burn to the Ground?

The economy is a forest. Individual stocks are like trees.

As in, “We can’t see the forest for the trees.”

Most of us focus on specific assets and the markets they inhabit. A basket of stocks in the S&P 500, for example.

There’s danger in that.

If you’ve chosen well, and your picks show nice returns, that hyperfocus might miss trends that say it’s time to run for cover.

Those trends show up in the real-world economy before they affect stock markets. But warning signs exist even in stock markets …. if you know to look for them.

I looked … and those warning signs are flashing fire-engine red. Learning to interpret them could help your portfolio survive the next recessionary fire.

Dude, Where’s My Profit?

Let’s start with an indicator that reveals what’s going on in the “real” economy of physical goods and nonfinancial services. It leaves out the FIRE sector (finance, insurance and real estate).

Gross value added of nonfinancial companies after inflation measures the net value of goods and services produced after adjusting for production costs.

When it’s negative, it means companies aren’t making money from selling their wares. If they’re showing profits in their quarterly reports, it’s coming from somewhere else — cost-cutting, layoffs, asset sales and so on. Those aren’t sustainable.

Moreover, whenever this indicator falls below zero on a year-on-year basis, the U.S. economy enters a recession — every single time:

This measure just turned negative. Why should this time be any different?

The Slinky Cycle

Think of the economy and its business cycle as a compression wave — a Slinky, for example.

As economic activity increases, firms make more profit. They use that profit to invest in new productive capacity, hire workers and grow.

That spending ripples out through the economy, as workers spend wages and producers of capital goods expand their own operations, and so on.

Eventually, however, that expansionary wave slows down as markets become saturated. Profits start to fall — as in the chart above — and companies cut back on investment, jobs and expansion plans. That also ripples through the economy.

The Slinky contracts.

Given this expansion/contraction dynamic in the economy, we can use changes in pretax profit margins over time to get a sense of where we are in the business cycle.

As the following chart shows, profits tend to rise at a steady rate, level off, then fall, signaling a looming recession. The U.S. is now in the mature stage of the cycle — roughly 80% of the way to recessionary conditions:

This pattern has held true for every recession since 1949. Why should this time be any different?

Chasing Unicorns

When the business cycle is petering out, sending us into the contraction phase, the degree of correlation within and between price movements of various asset classes — such as stocks, bonds and commodities — begins to decline.

Asset prices that usually move together start to move independently. Oil futures drop but retail sector stocks rise, for example. Transport stocks suffer but some automakers do well.

Why is this?

When there’s a bear market, investors tend to be conservative. It’s too risky to go chasing after individual stocks, even if analysts like them.

For example, if Firm A and Firm B are in the same industry, there’s no reason why one of them should perform better than the other in the short term if market conditions for each are identically weak.

Sure, some firms have great innovations and break free from the pack.

But cautious investors are much less likely to support such stocks in a bear market, where preserving capital is key. For that reason, correlation tends to be higher in a bear market.

By contrast, correlation tends to fall during the final stages of a bull market, as stock pickers chase individual stocks that report superior results, even as the rest of the market declines.

For example, Atmos Energy Corp. (NYSE: ATO), a Texas natural gas distributor/pipeline company, is soaring even though the natural gas sector is in dire straits.

Recently, the Chicago Board of Exchange’s Implied Correlation Index for the S&P 500 (JCJ) has plummeted … just as it did in 2008 and late 2014, just before the big drop in January 2015:

This isn’t just a U.S. phenomenon. In a note published earlier this week, Morgan Stanley notes that assets across the world are the least correlated in almost a decade.

Thinning the Herd

A fall in correlation is due in part to the fact that as a business cycle nears its end, fewer firms remain profitable. This can happen even if the market is still rising, but driven by a few big stocks or sectors.

That’s happening right now. Fewer and fewer U.S. stocks have been rising with the market as it reaches new highs.

The gap between the overall market index and a measure of the proportion of stocks that are trading below their 200-day moving average — only 57% — is disturbingly wide (the red line):

To me, that suggests a business cycle on its last legs.

Here’s the thing about forests and trees.

A big tree in the middle of the forest has no idea a fire is raging on the edge of that forest. The big tree is growing well, thriving, secure … until the fire arrives and burns it to the ground.

There was nothing wrong with the tree … but it still went down with the forest around it.

As the business cycle winds down, which stocks will be like that big tree in the forest?

The Profitable Hedge

Even if an investment has a lower return than the market, it can improve the performance of a portfolio if it has a low correlation to the other investments in that portfolio. When they go down, the less-correlated position stays up.

We designed my Alpha Stock Alert  service and the Smart Money service embedded in The Bauman Letter  for low correlation with the stock market. In rigorous backtesting, they both beat the market by triple digits in the aftermath of the 2008 crisis. They’ve also done better than the current bull market.

By keeping one or both of those portfolios in your larger mix of investments, you can hedge against the coming forest fire … and make money at the same time.

Because you never know…

Kind regards, Ted Bauman Editor, The Bauman Letter

[jeffersonwexler-blog]

Pair Of Top South American Retired Life Choices Contrasted.

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[staciafurman25-blog]

Skier Collapse Edge Of A Mountain Backwards (VIDEO).

Keefover-Ring's list of criticisms can be divided into three wide groups: complaints concerning the book's compound, impact, and design. New Hill Finance's fine-tuned web assets income for the quarter ended March 31, 2017, was actually $0.34 each share in the center of our support from $0.33 to $0.35 each portion and once more covering our quarterly dividend from $0.34 each reveal. Joe Simpson's Touching the Void states the occasions that occurred to Simpson some 26 years ago while climbing up Siula Grande, a mountain range in the Andes, occasions which changed the author into among one of the most iconic figures in mountaineering. Nonexistent an opinion coming from Krakauer, we are actually entrusted to delight in the various authentic pleases from the concern, that include a tragic interview with Jan Arnold, the widow from resource Rob Hall, that died in the '96 storm and who called his expected little girl in the course of a final telephone call covered through to New Zealand when Hall was captured high up on the mountain without any opportunity of saving. Thus communicate Zarathustra on the spine from the mountain where that was actually cold: when, nevertheless, he entered into the area oceanic, and finally endured alone among the high cliffs, then had he become tired on his technique, and eagerer compared to ever.

Unknown till the mid-twentieth century, canthaxanthin was actually separated in reddish chanterelle specimens and also pinpointed by aquatic biologist Francis Theodore Haxo (March 9, 1921 - June 10, 2010) in 1950 while he was actually an assistant instructor in the Biology Team at Baltimore's Johns Hopkins Educational institution. Before long I had actually slipped to within 10 backyards from a baby-sitter, and also for approximately a half-hour's opportunity, this pack from feeding goats enabled me to join their group and also paid for little focus on me, in spite of just what must possess shown up to all of them being one rough goat! They are going to locate the littlest violation or sometimes there is nothing whatsoever to become mad about involving those around all of them, yet they will certainly produce a mountain from a mole hill" so the old claiming goes, just because they aren't sure how to discharge their irritation along with their partner on them. The three included towns of Independence, Troutdale and also Fries and also the rural mountain villages from Elk Creek, Flat Ridge, Baywood, Oral Cavity of Wilson and also Fairview supply excellent searching for regional Appalachian mountain arts as well as trades including woodcarvings, musical instruments, comforters, containers, ceramic as well as heirlooms. The frightening sounds packed the entire environment causing panic also among the vidyadharas and also ascetics (semi-gods) motivating them pop over to these guys leave off that area leaving their possessions responsible for, in the anxiety that some demons were actually ruining the mountain range.

Exclusively, the pipe would certainly traverse Jefferson National park in West Virginia and also Virginia, travel through the Appalachian National Scenic Path Hallway and traverse the Appalachian Trail near Virginia's Peters Mountain National forest, inning accordance with the conservation group Wild Virginia.

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Where The Scriptures Teaches Us The Best Ways To Strengthen Our Cashflow.

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Pine Mountain Range Ski Dive 2013.

Contents concerning or even worrying Personal Computers, Home Networks and also System Equipment, Home PC Protection, Downloads, Property Personal Computer Reviews as well as Tips. This was part of a sophisticated Cold War defense device that included 16 Nike projectile electric batteries around L.a, including ones on Triumph Blvd in Truck Nuys, on Oat Mountain range north from Chatsworth and also over Malibu in the Santa Monica Mountains. Rob as well as Dave will definitely go through the details in an instance yet permit me begin by providing the highlights of another solid quarter for New Mountain range Money Management. I existed years ago yet sadly the mountain range was actually commonly obscured in cloud cover.

Smoky Mountain range National Park deals with pop over here half a million acres as well as is actually house to a big variety from creatures as well as much more than four many thousand species from plants. Though the tunnel be actually dark as well as scary, this does eliminate the mountain range in a subtle and incredibly private means. When our team come to this mountain bikes between $THOUSAND as well as $2000, there appear to become much less particular mtb for females than in the mountain bicycle under 1000. The second year from the Rocky Hill Rumble had 4 staffs coming from Utah show up and also participate in some of the Idaho groups. Day time basics still administer during a night opportunity mtb trip, consisting of water supply, higher energy foods as well as a leak kit. Home varies as well as social interactions from cougar (Felis concolor) in the Santa Ana Mountain Ranges, The Golden State.

In 1932 yet another expedition that was much better equipped was launched in an attempt to know the devil caves strange past times. In this particular exploration into the extensive cavern tunnel body as well as deep-seated into center of Marble Hill the team from travelers discovered in a base from a deep-seated pit a skeletal system along with a metal band around its own back as well as chained to the wall. Much smaller gamers in the area feature Mountain range Exploration (OTC: SAIDF ), Inca One (OTCPK: INCAF) and also Duran Project (DUVNF). To enjoy hill cycling to utmost, you will certainly call for committing in the pair from White Hill shoes. The local greater hill is Noshaq, which is the highest possible hill of Afghanistan as well as the western 7,000 m peak worldwide.

In 1996, the Mountain range Goats launched the cd Nothing at all for Extract, as well as Full Blast Galesburg the subsequent year. Visitors steering off Vancouver on the Chance Princeton can additionally use the south access from Green Mountain Street, which is located in between the small community of Olalla and the first Yellowish Lake Rest Terminal. New Mountain Finance's fine-tuned web financial investment income for the quarter finished March 31, 2017, was $0.34 every share in the middle of our guidance from $0.33 to $0.35 every share and again covering our quarterly reward from $0.34 every portion. Throughout this, ideally short, time frame where the authorities is closed for company, Shenandoah National Park, featuring Old Rag Mountain is closed to visiting. Old Dustcloth Mountain range Stewards will certainly not supervise ... nor will definitely Shenandoah National forest rescue possessions.

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The Cloud Lowland Scenic Region is located near the foundation from Huangshan Mountain range and also disregards an available valley. In January 1996, Intrawest Firm and also Mammoth Mountain Ski place announced that Intrawest Company had actually purchased Thirty Three% of Mammoth and also June Mountain snowboard operations, along with all the developable real estate owned by Mammoth Mountain Range Ski Area. Pigeon Mountain range is the excellent location for those seeking impressive landscapes and also the difficulty of a varied series of outdoor recreational possibilities including going swimming, treking, fishing, searching, hang-gliding, geo-caching, stone going up,2 orienteering, caving/spelunking, horseback using, mountain range biking or even touring on an all-terrain automobile. Your course takes you further along the Ross Lake Recreation Area and also over Washington Pass where quickly you bump into the absolute most stunning site of your quest: the 7,600-foot Liberty Alarm Mountain range that completely controls the horizon and also just about makes this part of the elapsed appearance impassable. As I passed Lesser Lough Macnean I evaluated to the reducing majority of Cuilcagh, to see that in the still, windless crystaline air that the entire hill was mirrored in the lough, a picture of best balance, black pitches over-topped with white powder snows perfectly reflected. Safely looking into Southern swietny-wyglad.info The golden state national forest also includes knowing just what to carry out if you experience a bear or mountain lion, and even more, along with a wide array from achievable unexpected emergency situations that could possibly show up, if you are actually going to participate in exploring and/or various other outside activities in this portion of the USA. Charcoal Waterway Mountain range has actually come to be the center from the battle regarding charcoal in the USA and also the world's ecological future," claimed director Costs Haney, which pointed out the film's $1-2 million finances stemmed from private individuals. Total incomes lessened 0.3%. Manufacturing plant earnings boosted 7.3%, driven mostly by a 17.6% rise in shipments to clients beyond our network of franchise outlets, as well as a 1.3% boost in same-store pounds bought through franchisees and also licensees, partially balanced out by a downtrend from 2.1% in the normal lot of residential Rocky Mountain range Chocolate Factory franchise outlets in operations. As the populace of the USA grows, much more national forest is actually being demolished and also the three species from significant cats in The United States, as well as other wild pets, are actually being forced to live one of human beings. Based in Saint Paul, Minneapolis, Glimpse Mountain was had exclusive in 2010 by Gratco, a containing firm controlled by Look Chairman and Ceo David Pratt, and also Holiday Season Stationstores, a gas-station retail procedure handled through Minnesota's Erickson loved ones. New Hill Financing's adjusted internet assets revenue for the quarter ended June 30, 2017, was actually $0.34 every share in the middle of our advice of $0.33 to $0.35 per portion as well as once again covering our quarterly returns from $0.34 each share.

[yumatrash]

The Ultimate Revelation On The Car Recovery Industry.

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Towing companies have big vehicles which safely take your buses to their destination at affordable prices. Today there are many companies providing towing services all around the world. Now if you are a firm owning buses and looking for a towing company then your search is over. Today the process of finding the best and most reliable towing company is much easier. It is a two step process. They even have a feedback column which has reviews about the services by the people who have hired them. Now your second job is to check these reviews and find a suitable towing service provider for yourself.

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To make sure this minimization of risk takes place, you require companies that can provide you with the service of data recovery. Data recovery Denver for that matter is a flourishing business, and out of all of them you will find that a few of them can render exceptional services. All the devices that you use to store data suffer from data loss risks. The good part is that their lost data can be recovered. Choose a company for data recovery Denver that is trustworthy and has the requisite skill to deal with the problem.

Union launches new legal action over blacklisting of builders http://fb.me/1pT1aO6Z5 — philip lewis (@philewis) December 4, 2017

You could be attracted to high-priced deluxe vehicles, but your insurance premiums should come at high end prices also. Choosing a risk-free and reputable budget version really can save you a few bucks in the end. Continue to keep 1 label to just one car if not your premiums will increase. You will get a better price that way. Be sure you get quotations from several car insurance providers. Charges are often very diverse according to which organization you choose. You ought to get annually quotations to ascertain that you simply keep up with the finest insurance coverage and costs. Nonetheless, ensure that the insurance policy specifics for each price are really similar. Tend not to spend the money for monthly payments for insurance plan undertake it quarterly. You could be having to pay far more if you want to pay money for your insurance policy month to month. This is not an easy task, but the sooner a person attempts to move on, the easier it should be.

This is a popular choice for companies because it can help to streamline company fleet operations and reduce costs at the same time. Other packages can include finance leasing, contract purchasing, lease purchasing, plus sale and leaseback options. Depending on the type of Audi Car Leasing scheme that you pick, you might hand the car back after a set amount of time or there could be an option where you buy the vehicle outright. Some Audi Car Leasing finance schemes give you a balloon payment option where you can pay one final figure to retain ownership of the vehicle. Disappointment and sadness permeate the situation and leave people in a state of disbelief or despair until they manage to rise above the situation and move on with their lives. This is not an easy task, but the sooner a person attempts to move on, the easier it should be. Publisher: Daniel Compass Over 80% of San Diego residents list automobiles as their primary means of transportation. In a city of 1.2 million people, that's 960,000 people using cars every day. The next step you need to understand is to evaluate how and where you drive your current vehicle. While you make the call, before telling them the situation, do tell your name, the location your car’s fuel tank got empty and stuck and then you mention the car’s model number. These basic points need to be mentioned to any company that offers these kinds of roadside assistance. Similarly, if your car’s tires have got punctured or your car has developed some snag, do mention that to the towing company that can send in the right people on job. This kind of auto comes in some types so you must be careful to get the suitable one that will be great for you. Those types are Super Ultra Low-Emission Vehicles (SULEV), Ultra Low-Emission Vehicles (ULEV) and Partial Zero Emission Vehicles (PZEV). In this case, it will be a good idea to choose PZEV because this unit is seen as the cleanest possible model except for battery electric or hydrogen fuel cell vehicles. The next step you need to understand is to evaluate how and where you drive your current vehicle. In this case, the right purpose will determine your option so you will not make any mistake in taking the right decision. If you have any issues with regards to exactly where and how to use FAST RECOVERY (http://fastrecovery.ie/free-quote/), you can get hold of us at our web site. fastrecovery

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Social networking site Marketing Platform.

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Global Advertising and marketing:- Online marketing has the condition show to a whole brand new level with your promotion efforts as well as business vision reaching millions of potential consumers daily in a non-intrusive fashion unlike tv ads. Specifically branding purpose needs to have exclusive care from social involvement along with online community. Your clientandrsquo; s best threat in carrying you in as a marketing professional is actually that any type of error or lapse on your part might stimulate a suit or monetary loss. Possessing this type of insurance may considerably minimize advertising and marketing consultantsandrsquo; responsibility. All at once, social media sites is actually normally extra multi media and also creates this simpler for you to share different forms of material. Our experts have found out numerous satisfied producing recommendations off your blog post that has helped our team a great deal. Obviously social media sites includes advertising and marketing, public relationships and also advertising and marketing, however that also includes customer service, client relationship control, purchases, procedures, personnels and r & d. Business is ever developing and so must advertising and marketing initiatives in order to keep pace with the competitors. . Although social networks systems use their personal marketing resources-- Twitter targeted advertisements, Facebook Pages, Google.com+ Native as well as Pinterest Promoted Pins, among others-- social media sites advertising solutions improve the procedure while helping businesses stay clear of turning off fans. To get solutions about the right amount of insurance coverage for Eandamp;, marketing experts should look for a professional insurance organization that can evaluate the businessandrsquo; level of risk. If the club proprietor closes the bar you have nowhere to go. 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Huge Thought and also Dallas Independent University District to Get Wallace Base Grant to Foster Youngster's Social as well as Emotional Learning. He is a Member of the Joint Advisors' Group for the Open Group Institute as well as Soros Foundations System Ahtisaari is additionally Leader of the Balkan Youngster as well as Young people Structure as well as the International Activity Authorities from the International Young people Groundwork, as well as from the International Board from the War-Torn Societies Task Until 2003 he was additionally a Participant of the Board of Supervisors of the International Principle for Freedom and also Electoral Support (IDEA).

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[isaacscrawford]

How Wellness Become the Wrong Word

JIM PURCELL

What do employers want more than anything? Healthy, engaged, productive, energized, and thriving employees who provide great customer service and high quality products. What they have is all too often the antithesis of that.

This article is about why and how to move away from “wellness” to “wellbeing.” Wellness is one dimensional—the absence of illness. But for employees to thrive, they need so much more. The essence? They need to be happy with what they are doing and where they are doing it. Without that, good physical health, engagement, and productivity are almost impossible. It’s as simple as that, and with happiness comes success on multiple levels for the employee and the employer. And yet the all too many of today’s American employees are dreadfully unhappy with their jobs and bosses. It’s time for that to change.

The companies that successfully address the deteriorating health (both physical and mental/emotional) of their employees have a huge competitive advantage, and not just from reduced healthcare coverage, but in cultivating more enthusiastic, productive, and engaged employees which drive competitive and financial success through better products and better service.

Dee Edington confirmed this in his book Zero Trends when he wrote: “Our mission is to create shareholder value. We create shareholder value because we have innovative, creative, and quality products and services. We have innovative, creative, and quality products and services because we have healthy and productive people.”

This is, as we say in Massachusetts, “wicked important.” Yet most American CEOs do not yet see it as even rising to their level of attention. That is nothing short of astonishing given how much they pay for healthcare coverage and the truly poor value they receive in return. Starbucks pays more for employee coverage than for coffee. GM pays more for coverage than for steel. Businesses don’t realize it, but they are truly in the healthcare coverage business whether they like it or not. And that doesn’t even begin to total up the costs of disengagement, absenteeism, and turnover.

So, what about today’s garden variety workplace “wellness” programs? In fact, they haven’t worked on virtually any level. The “wellness” industry has deservedly opened itself to criticism that “wellness” investments are a waste of resources. Critics have eviscerated the industry all too often.

Typically, workplace “wellness” initiatives have been developed by HR and floated to senior management for approval with the usual justifications of reducing coverage costs and a healthier workforce. Someone in C-Suite, often NOT the CEO, might approve such proposal and its budget. In rare cases, there might even be some business plan. But little else. There are so many other things to focus on like quarterly dividends, customer relations, and the current crisis, whatever that might be.

And then the matter goes back to HR and becomes largely indistinguishable from any other employee benefit plan. Nice to have, but not strategic in any sense. HR might retain a vendor or hire wellness coaches, and may acquire programs that focus on exercise, smoking cessation, and nutrition. All good things, but not nearly enough. Employers also may do the dance of incentives and penalties, but neither result in long term lifestyle change or improved morale.

After a few years of lukewarm enthusiasm and modest employee participation, someone in C-Suite might ask about the return on the program’s investment. Unfortunately, few companies even try to measure returns, and if they did, the numbers would be indeed disappointing. Even so, shouldn’t something be done about healthcare costs? And wellness programs, whatever their returns, just seem like the right thing to do. That is indeed sloppy thinking.

The reasons why today’s workplace wellness programs have not worked are many, but the most important are: lack of strategic focus with a comprehensive approach; focus almost exclusively on the physical health side ignoring mental and emotional health; lack of CEO leadership; absence of a culture of wellbeing; and a one size fits all approach that appeals primarily to the already healthy and fit.

The stark truth is that the wellness industry has accomplished remarkably little in the areas of return on investment (ROI, which I define as reducing employee claims expense by more than the cost of the wellness programs) and long term lifestyle behavior change. To have any chance at positive ROI, the focus must be on chronic illness with a supportive culture of “wellbeing” and caring to maximize employee and family enthusiastic participation. Yet so often, it is not. Swim, gym, and weights alone won’t do the trick. Programs for smoking cessation, weight loss, exercise, and nutrition (traditional “wellness” programs), while helpful on almost any level, do not truly move the needle on coverage costs or employee engagement. They are one size fits all and quite randomly implemented.

Accordingly, it is submitted that we must move away from “wellness” to “wellbeing.” There is a world of difference between those two similar nouns. When our society and our medical profession refer to “wellness” (as in being well), what they really mean is the absence of illness, almost always the physical kind. “Wellbeing” is far broader, meaning a positive physical, mental, and emotional state. The difference is profound.

Shawn Achor in his book The Happiness Advantage underscores the importance of this point when he writes:

“You can eliminate depression without making someone happy.  You can cure anxiety without teaching someone optimism.  You can return someone to work without improving their job performance.  If all you strive for is diminishing the bad, you’ll only attain the average and you’ll miss out entirely on the opportunity to exceed the average.”

Despite abundant data from Gallup and others showing the central role of employee wellbeing (as opposed to mere wellness) in driving workplace engagement, American employers haven’t taken the cue. And Gallup has been doing this for decades!!

Gallup’s 2016 Q12 Meta-Analysis of The Relationship Between Engagement at Work and Organizational Outcomes makes it abundantly clear how engagement drives measurable and substantial improvement for “customer loyalty metrics, productivity, employee turnover, safety, absenteeism, patient safety and quality.”  According to Gallup, higher engagement means higher profitability.

And when you combine high levels of wellbeing and engagement, magical things happen. Consider that Gallup’s Well-Being Enhances Benefits of Employee Engagement tells us that the benefits of adding high wellbeing to high engagement are enormous with employees reporting:

42% more likely to evaluate their overall lives highly

27% more likely to report “excellent” performance in their own job at work

27% more likely to report “excellent” performance by their organization

45% more likely to report high levels of adaptability in the presence of change

37% more likely to report always recovering “fully” after illness, injury or hardship

59% less likely to look for a job with a different organization in the next 12 months

18% less likely to change employers in a 12-month period

19% more likely to volunteer their time in the past month

So why is a move away from workplace “wellness” to workplace “wellbeing” so wicked haahd (how we say “very difficult” in Massachusetts) to do well? There is a forest for the trees aspect here. It is so obviously the right thing to do on any business level that it is simply missed. It doesn’t sound critically important or strategic. CEOs and boards are distracted by other things and do not connect the dots between employee wellbeing/engagement and operational success. And if they do consider it, many believe that it is like curing world hunger and sitting around the campfire singing songs. After all, they can’t be responsible for what happens away from work. Yet…they can be responsible for what happens at the workplace, which is where many Americans spend more time than anywhere else and is a primary cause of stress.

Once organizational leaders and boards really, really focus on the importance of the difference between employee wellness and wellbeing, they should have an “aha” moment. Workplace wellbeing should be the​ top strategic objective of any company. Done right, workplace wellbeing must be strategically planned, staffed, and financed like any other mission-critical strategic objective. The outcomes that matter must be measured. Leadership, from top, to mid-level, to front line, must be engaged, enthusiastic, and held accountable. When is the last time a CEO was held accountable by his/her board for employee wellbeing? When is the last time organizations based a significant part of executive incentive compensation on employee wellbeing?

Whole person “wellbeing” must become a defining characteristic of the company’s culture and environment. It must become part of how organizations “do business.” And it most definitely is not too much to take on, particularly considering the potential upside benefits as outlined by Gallup.

Employees and their families must come to understand that the company invests in their wellbeing because it truly does value employees. It also happens to be both the right thing to do and very good business that will reap untold dividends.

More to come on this subject. But please, tell me if I’m wrong. And of course, why. And if you disagree with the move to the word “wellbeing,” what word would you use to be the label for what has been described above?

Jim Purcell is the former CEO of Blue Cross & Blue Shield of RI, and prior to that, was a healthcare and trial lawyer in Providence RI. Today, he mediates and arbitrates healthcare disputes, and is writing a book to start a national movement for employee wellbeing. See ReturnsOnWellbeing.com.

Article source:The Health Care Blog

[silviajburke]

Real Business Investment Is Bad News For Stocks

This post Real Business Investment Is Bad News For Stocks appeared first on Daily Reckoning.

[This post is from Lee Adler. To discover more of his work and analysis – visit Wall Street Examiner.]

Earlier this month the Census Bureau reported Private Construction Spending for May. It’s an important report primarily on the commercial side because it gives a look into the all important commercial development sector. Aggregate that with Core Capital Goods Orders, and we get a great picture of the state of business investment and business confidence.

The report isn’t a sentiment survey, it’s measured in actual dollars spent. Money talks.

Looking at the nominal numbers before adjusting for inflation we see a strong recovery from 2001 to 2014. Since then, growth has slowed. Month to month growth in May was 3.2%, which is below the average May growth rate of 3.9% over the past 10 years.

It’s also well below the May 2016 growth of 5.5%. The annual growth rate fell to just 1.6%. That is the slowest annual growth rate since 2013.  Total spending has been slowing since 2014, in spite of record low construction lending rates.

Demand is for commercial space is slowing not only because of slow growth in the economy, but because of technological change.

The picture darkens when we adjust for inflation. I used the Producer Price Index (PPI) for office building construction as the deflator.

In the short run, there’s not much difference–a slightly below average gain for the month. But the index was down 0.2% from May of 2016. Furthermore the total volume of construction is 10.7% below the 2008 peak.

While commercial construction is a lagging indicator at economic turning points, the fact that the total volume of construction is still below the levels of 10 years ago is a sign of the secular decline of the US economy.

It should come as no surprise that commercial construction is in long term decline. In the office sector an ever growing number of workers are telecommuting. Retail space is disappearing thanks to online retail. Reportedly, industrial space demand is growing. Booming industrial space demand is not unusual in the end stage of an economic expansion, as business sentiment becomes unduly optimistic.

The need for more office space as the economy expands is falling. Commercial real estate broker JLL reported vacancy rising to 14.8% in the second quarter from around 14.6%.  But that doesn’t tell the whole story.  They’re still building new buildings, but older buildings are losing occupancy and ultimately either being abandoned or converted to residential use.

According to commercial real estate information service REIS.com, commercial office space absorption fell by a whopping 65% in the first quarter.

JLL reported that quarterly net space absorption was below the levels of the past 3 years. They expect vacancy to continue rising over the next 24 months, “as new buildings deliver and tenants upgrade to more efficient spaces.”

That’s a nice way of saying that less space will be needed in the future as workers are replaced by automation, or work from home.

The collapse of retail is a well told story by now as Amazon.com destroys traditional retail.  The demand for new retail space is collapsing. Here again, retail property vacancy rates do not tell the story because they don’t count abandoned properties. I could find no data on the rate of abandonment of retail space. Some of it is being converted to institutional or office use, which is equally problematic for the economy.

When old commercial space is renovated and there’s a lack of new demand, it merely causes older, less functional space to no longer be economically viable. Tenants leave to occupy the newer, more efficient and attractive spaces. Obsolescence of older buildings often leads to more blight.

Commercial real estate brokers report that demand for industrial space is booming.  Construction isn’t keeping pace with demand, according to JLL. I can’t confirm that with the construction data. A breakout of the value of industrial construction is not available in the Census Bureau report. It combines retail and warehouse space into a single category, which was down year to year. If industrial space development really is still running positive, then retail is even more negative.

Let’s not lose sight of the forest for the trees however. The fact is that the total volume of commercial construction has stalled. Ultra low construction loan and permanent mortgage rates have failed to stimulate growth over the past couple of years.  It is possible that rising interest rates may stimulate a final spasm of overdevelopment as developers rush to bring projects on line before rates rise more.  In the end, that would lead to an even bigger bust.

Commercial real estate cycles have been around forever. I have lived and worked through them as a professional in the field. This cycle will be no different.

Finally, we can combine the data on commercial construction with the data on nondefense capital goods orders for a measure of total business investment. Business people normally take their cues from the stock market. The renewed blowoff in stocks has triggered a renewal of growth in real total business investment, with a year to year rise of 3.3%.

It is striking that for 4 years prior to this, real investment went completely flat as stock prices bubbled higher. It’s not that there wasn’t capital available. The Fed made sure that there was plenty of money, and it made the cost of that capital zero.

This chart shows clearly where all that printed money and free financing went. It went into stock buybacks and other forms of speculation and financial engineering, driving stock prices relentlessly higher, while real investment suffered.  It was much more profitable to chase a quick buck in pushing stock prices higher, than to invest in real plant and equipment.

This bounce still leaves real investment more than 7% below the levels of 2000 and 2008.

Is the uptick in real investment now a good sign? Probably not as, ironically, real investment will now divert funds from speculative investment in financial assets, just as the Fed is about to become stingy with money.

The Fed is planning a real tightening of financial conditions when it begins to shrink its balance sheet this year. This will begin to suck cash out of the system and raise the cost of funding. The Fed will start small, but will increasingly turn the screws over the next year. Any further signs of strength in real investment will only encourage the Fed to continue tightening. That will be very bad news for stocks.

Therefore chasing this rally will come to no good end. It’s time to radically pare down your holdings, and look for short sales industries that will fare poorly under the paradigm of secular decline due to excess capacity and technological change.

Regards, Lee Adler for The Daily Reckoning

The post Real Business Investment Is Bad News For Stocks appeared first on Daily Reckoning.