#BoardOfDirectors Stock Repurchase Plan Declared by Voya Financial (VOYA) Board of Directors http://bit.ly/2zzuQJ9
— Muzaffaruddin Alvi (@Muzaffar1969) November 11, 2017
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Twenty Practical Steps to Better Corporate Governance | The Corporate Secretaries International Association (CSIA) Please click the li...
#BoardOfDirectors Stock Repurchase Plan Declared by Voya Financial (VOYA) Board of Directors http://bit.ly/2zzuQJ9
— Muzaffaruddin Alvi (@Muzaffar1969) November 11, 2017
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#BoardOfDirectors Advocate for Women and Children Joins Metro YMCA Board of Directors http://bit.ly/2zPpJ8F
— Muzaffaruddin Alvi (@Muzaffar1969) November 11, 2017
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#BoardOfDirectors New directors appointed to Supreme Ventures board http://bit.ly/2iJ5Hlk
— Muzaffaruddin Alvi (@Muzaffar1969) November 10, 2017
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#BoardOfDirectors El Capitan Precious Metals Expands Board of Directors and Names New Corporate Counsel http://bit.ly/2jgsxF2
— Muzaffaruddin Alvi (@Muzaffar1969) November 9, 2017
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#BoardOfDirectors Sierra Metals Strengthens Board of Directors with the Appointment of Jose Alberto Vizquerra-B… http://bit.ly/2hooAgX
— Muzaffaruddin Alvi (@Muzaffar1969) November 9, 2017
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Emerging Technology from the arXiv: “…Substance abuse is a serious concern. Around one in 10 Americans are sufferers. Which is why it costs the American economy more than $700 billion a year in lost productivity, crime, and health-care costs. So a better way to identify people suffering from the disorder, and those at risk of succumbing to it, would be hugely useful.
Bickel and co say they have developed just such a technique, which allows them to spot sufferers simply by looking at their social media messages such as Facebook posts. The technique even provides new insights into the way abuse of different substances influences people’s social media messages.
The new technique comes from the analysis of data collected between 2007 and 2012 as part of a project that ran on Facebook called myPersonality. Users who signed up were offered various psychometric tests and given feedback on their scores. Many also agreed to allow the data to be used for research purposes.
One of these tests asked over 13,000 users with an average age of 23 about the substances they used. In particular, it asked how often they used tobacco, alcohol, or other drugs, and assessed each participant’s level of use. The users were then divided into groups according to their level of substance abuse.
This data set is important because it acts as a kind of ground truth, recording the exact level of substance use for each person.
The team next gathered two other Facebook-related data sets. The first was 22 million status updates posted by more than 150,000 Facebook users. The other was even larger: the “like” data associated with 11 million Facebook users.
Finally, the team worked out how these data sets overlapped. They found almost 1,000 users who were in all the data sets, just over 1,000 who were in the substance abuse and status update data sets, and 3,500 who were in the substance abuse and likes data sets.
These users with overlapping data sets provide rich pickings for data miners. If people with substance use disorders have certain unique patterns of behavior, it may be possible to spot these in their Facebook status updates or in their patterns of likes.
So Bickel and co got to work first by text mining most of the Facebook status updates and then data mining most of the likes data set. Any patterns they found, they then tested by looking for people with similar patterns in the remaining data and seeing if they also had the same level of substance use.
The results make for interesting reading. The team says its technique was hugely successful. “Our best models achieved 86% for predicting tobacco use, 81% for alcohol use and 84% for drug use, all of which significantly outperformed existing methods,” say Bickel and co…. (More) (Full Paper: http://ift.tt/2pIewC6: Social Media-based Substance Use Prediction).
Full Post: How Data Mining Facebook Messages Can Reveal Substance Abusers
June 04, 2017 at 06:05PM
from Stefaan Verhulst
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If you’re racing toward retirement, you’ve got to prepare for some twists and turns. To make sure your money lasts and your family is cared for, you need to address these five challenges.
May 22, 2017 at 06:02PM
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Taxes may be inevitable, but they’re also something you have some power over. Here are five strategies to manage your tax burden going forward.
May 22, 2017 at 06:02PM
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I just linked my CDP account to Vickers and bought a stock last Friday. the stock is now under Pre-Settlement Notifications in my CDP account and Settlement Date 24/5
I activated giro via DBS ibanking on Friday night (after the trade) hoping they will deduct the payment from my bank account on monday (today) since it T+1 for giro (according to vicker FAQ: the payment will be directly debited from or credited to your designated bank account between 12 midnight and 7:00 am on Due Date + 1.)
Since i only activated the giro payment on Friday after the trade is fill. When will they deduct payment from my bank before the settlement date? If i were to do it manually, how should i proceed?
May 22, 2017 at 05:54PM
from Desaturated
Below is a press release cross-posted from Tax Tobacco for Life, about a major campaign victory, which could save hundreds of thousands, even millions of lives in some of the poorest countries in the world. Here’s the quick story.
Big Tobacco has targeted lower-income countries as the only growth markets of the future, leading to projections of many millions of unnecessary deaths. Tobacco tax is perhaps the single most important tool to prevent this – and so the use of the International Tax and Investment Center (ITIC) to influence tax policy was a key part of the companies’ strategy for growth (that is, their strategy for death).
Following our joint campaign with many of the leading development and health groups (see note 2 below), and a major media splash in November, ITIC has now decided to drop its tobacco board members and sponsors. Victory!
Clearly, the tobacco companies will seek other channels of influence – and so great vigilance is required, if the many lives at risk are to be saved. And ITIC will continue to lobby against effective taxation for all of its other members, from the extractives sector, alcohol companies and others. Activists, international organisations and governments should never imagine that this is not a neutral, technical group – ITIC is a special interest lobby group, forever compromised by the money it has taken for decades to front for tobacco around the world.
For more than two decades, big tobacco companies have used the neutral-sounding ‘International Tax and Investment Center’ (ITIC) to promote their agenda around the world. Since tax policies are the single most powerful measure to reduce tobacco consumption, and the inevitable deaths that follow, the influence of ITIC on public officials and finance ministers can be – literally – a killer. ITIC has targeted developing countries as major growth markets for tobacco; it is in these countries where the death toll is the greatest if the tobacco lobby succeeds.
But no more.
Central to ITIC’s credibility with policymakers were its claims of association[1] with IMF, World Bank, tax authorities and major multinationals. But after a successful campaign last year which was coordinated by the Tax Justice Network, ASH (UK) and the FCA, [2] ITIC was forced to withdraw these claims of association and many of the organisations and groups named also took action to disassociate themselves from ITIC, including the African Tax Administrators’ Forum and the World Bank.
Today, after this very public campaign the ITIC has decided they will no longer accept tobacco executives on their board and will end all tobacco company sponsorship.
This follows the announcement last November by the UK government of £15 million of funding to the World Health Organisation’s Framework Convention on Tobacco Control Secretariat to support implementation of the treaty with a focus on tax measures. The Sustainable Development Goals include a commitment to supporting the implementation of the WHO Framework Convention on Tobacco Control and tobacco taxes are cited as a means of both reducing smoking prevalence and providing a revenue stream for development. You can read more on that here and here.
Deborah Arnott of ASH (UK) said:
“This is a major blow to Big Tobacco’s modus operandi of covert lobbying under neutral-sounding cover. Tobacco taxes have been endorsed by the United Nations and the World Bank as an effective and important means to reduce tobacco consumption and health care costs, as well as providing a revenue stream for financing for development in many countries. ITIC has realised it is no longer credible to take Big Tobacco’s dirty money to lobby against tobacco taxes and about time too.”
Alex Cobham, CEO of the Tax Justice Network added:
“The joint campaign of development, anti-smoking and tax justice groups first managed to reduce the ITIC’s traction with lower-income country governments, by getting groups like the World Bank and Nestle to stop their names being used to mislead. Now we’ve actually eliminated what is big tobacco’s main lobbying channel in many lower-income countries. ITIC will no doubt seek to take credit for this shift – but nobody should forget that this is an organisation that has lobbied for big tobacco for decades. This shows that ITIC should not be trusted by governments to advise on taxes – whether tobacco or otherwise.”
Matthew L. Myers, President of the Campaign for Tobacco-Free Kids said:
“ITIC’s decision to end tobacco sponsorships and remove tobacco executives from its board is an important step in the global fight against tobacco use, which kills six million people worldwide each year. ITIC must also end any lobbying against countries’ efforts to increase tobacco taxes, which is the single most effective way to reduce tobacco use and the death and disease it causes. By serving as a front group for tobacco companies, ITIC has given undeserved credibility to the industry’s deceptive arguments against tobacco taxes. These harmful activities must end completely. ITIC’s decision also sets a good example for the U.S. Chamber of Commerce and other organizations that have helped the tobacco industry fight life-saving policies around the world. They, too, should sever all ties with the tobacco industry.”
The tobacco companies have long funded think tanks and consultancies to influence policy debates on the sly. Today’s success should serve as a warning to those groups. Those who take funding to work on behalf of an industry whose success can be measured in global mortality rates will feel increasing public scrutiny.

Deborah Arnott, ASH (UK): deborah.arnott@ash.org.uk; +44 (0)7976 935 987
Alex Cobham, Tax Justice Network: +44 (0)7982 236863; alex@taxjustice.net
Caroline Renzulli, Campaign for Tobacco Free Kids: +1 202 296 5469; crenzulli@tobaccofreekids.org
[1] “ITIC works closely with ministries of finance, customs services and tax authorities in 85 countries, as well as international financial institutions such as the International Monetary Fund, World Bank, World Customs Organization, and Organization for Economic Cooperation and Development.”
[2] The signatories to the original campaign to counter big tobacco’s tax lobbying efforts via ITIC were: Action on Smoking and Health, (UK); Action on Smoking & Health, USA; Action on Smoking and Health, Scotland; African Tobacco Control Alliance; Association of Directors of Public Health, UK; British Heart Foundation; British Lung Foundation; CAFOD; Cancer Research UK; Christian Aid; Faculty of Public Health, UK; Framework Convention Alliance; FRESH; Global Alliance for Tax Justice; Health Poverty Action; InterAmerican Heart Foundation; International Union Against Tuberculosis and Lung Disease; Latindadd; Save the Children; Southeast Asia Tobacco Control Alliance (SEATCA); Tax Justice Europe; Tax Justice Network; Tax Justice Network – Africa; and Vital Strategies.
The post Campaign victory disarms big tobacco’s lobby front in developing countries appeared first on Tax Justice Network.
May 22, 2017 at 06:00PM
from Alex Cobham
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Educators, scientists and communicators in any field use analogies to explain complex topics or abstractions. The key is to find unique analogies that will surprise your audience and force them to think differently about a topic.
May 21, 2017 at 06:05PM
from Carmine Gallo, Contributor
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Thirty years ago, I pioneered the topic of kids and money. Before that, there were not books to help parents with the subject. Today, those challenges still exist; however, the world of virtual money made it more complex. So, what can parents do to teach their kids about money in the digital age?
May 21, 2017 at 06:05PM
from Neale Godfrey, Contributor
Since about the turn of the millennium, the labor-force participation rate, or the share of American civilians over the age of 16 who are working or looking for a job, has dropped pretty dramatically, with an acceleration in that drop taking place after the 2008 financial crisis and the ensuing Great Recession.
There are several causes for that drop. An August 2015 analysis by the President’s Council of Economic Advisers suggests that about half of the drop comes from structural, demographic factors: the baby boomers, an immensely large cohort of Americans, are getting older and starting to retire.
The Council of Economic Advisers found that the other half of the drop in labor-force participation came from cyclical factors tied to the Great Recession. In addition to the normal falloff in participation seen in other recessions, the depth and severity of the Great Recession pushed millions of Americans to the sidelines, discouraging them from even looking for work.
Over the last couple years, the labor-force participation rate has mostly held steady, possibly indicating a tightening labor market as people who were previously discouraged from looking for work move back into the labor market.
According to the April jobs report, labor force participation ticked down slightly to 62.9% from 63.0% in March.
SEE ALSO: Here’s the most disproportionately popular job in every state
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NOW WATCH: This man spent 6 weeks working undercover in an iPhone factory in China — here’s what it was like
May 05, 2017 at 06:02PM
from Andy Kiersz
For years after the 2008 financial crisis, growth in average hourly earnings stayed low, hovering at around 2% year-over-year.
This was most likely not high enough to support the Fed’s stated inflation target of 2% year-over-year.
However, 2016 saw wages climb at a somewhat faster rate, with average hourly earnings among all private employees growing in a range of 2.2% to 2.6% year-over-year, hitting a post-recession high of 2.9% in December.
According to the April jobs report, wages grew 2.5% from the previous year, falling below economists’ expectations of 2.7% and below the 2.7% rate in March.
SEE ALSO: Here’s the most disproportionately popular job in every state
Join the conversation about this story »
NOW WATCH: The disturbing reason some people turn red when they drink alcohol
May 05, 2017 at 06:02PM
from Andy Kiersz
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Do you ever find yourself faking it when people talk finances? “Fiduciary,” “sequence of returns risk,” the “4% rule,” these are all handy expressions that it pays to fully understand.
May 05, 2017 at 05:59PM
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A well-rounded retirement portfolio could have a spot that the right annuity (and RIGHT is the key word here) might fill very nicely.
May 05, 2017 at 05:59PM
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