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Life Cycle Assessment (LCA) is the principal way to achieve clarity over the environmental credentials of varying drivetrains, and may become the basis of primary legislation in Europe and beyond over the next decade.
The purpose of this newsletter is to consider how LCA can work in practice, bringing clarity to the automotive sector both as an efficient market, the producer of environmentally sensitive products and in respect of consumer choice, i.e. how vehicles might be rated and ranked for their 'greenness'.
LCA has existed as a concept since the 1970s and is by now a well-established field of academic inquiry. Contrary to common perception in 2019, LCA is not necessarily about CO2 emissions and the climate 'friendliness' of one car over another, say diesel versus electric. LCA can equally apply to other impact categories such as social justice or supply chain efficiency, and indeed 'non-climate' environmental impact categories such as water use. It is a method for considering the total lifespan of a product, but the chosen theme and system boundaries can be many, and they can be divergent. It can be applied to any product and not just cars. Owing to their material and commercial complexity, cars are among the most challenging products to apply LCA to.
A useful historical note is to remember that a precursor of LCA was Technology Assessment (TA) in the US in the 1960s. The aim of this nascent philosophy was to brief Congress on the likely impact on society and economy of new technologies, to inform intelligent policy decisions.
LCA offers a not dissimilar service today. Conventionally, it relies on a modelling of a vehicle's impact in four areas: fuel (from source to distribution); vehicle production, vehicle use and end-of-life.
Until recently the greatest emphasis was on the fuel because the use-phase of an internal combustion engine vehicle (ICEV) is the dominant source of emissions. With electrification, the emphasis has swung to vehicle production (batteries) and end-of-life (batteries), both about which there remains a lack of usable data. There is no utility scale automotive battery recycling, but it takes place on a small scale. Meanwhile, the estimate of embedded emissions from manufacture as a proportion of total emissions are 15-20% for a gasoline car, but 20-60% for a battery electric car. Recent studies have emphasised the larger figure in that wide range, citing not just the batteries but supporting, high emission components such as aluminium. Meanwhile the fuel question is displaced to the energy grid and looms large in any credible assessment of the environmental claims of EVs.
LCA also casts doubt on the industry's claim that diesel is better than gasoline in climate terms. In fact a diesel car's embedded emissions are higher than a gasoline car's (the range of estimates is 20-30% versus 15-20%, respectively) thanks to the heavier engine block and typically greater emissions controls. Like an electric car it then has to 'break even' over its lifetime by offering lower in-use CO2 emissions.
It is worth noting that the academic field of LCA has already moved somewhat beyond these basic LCA applications even though they remain in their infancy and are not typically understood or applied by policy makers, consumers or even parts of the car industry. Current LCA trends are to move beyond product life cycles to consider user patterns and behavioural dimensions.
Rebound effects suffice here as a cautionary note. If a consumer saves fuel costs by buying an electric car, but spends the proceeds on a long-haul flight to the Caribbean, that's a negative environmental rebound effect. Such whole system thinking demonstrates that beyond the application of LCA to cars there remain wider considerations, including the very desirability of private car ownership given projected global urbanisation rates, resource scarcity and the political imperative towards liveable cities.
Despite all such concerns, the advent of variously electrified drivetrains makes an LCA approach essential, in our view, for the achievement of basic consumer clarity around product claims as well as policy maker insight.
One central objective, echoing previous Emissions Analytics newsletters, is achieving the greatest reduction of CO2 emissions in the shortest possible time, in the real world and not just on paper, so as to achieve the promise of the Paris climate accord and the stated goals of the IPCC in containing climate change.
Unfortunately, almost all existing vehicle regulation in OECD countries is out of sync with this climate objective, having arisen in an era in which the internal combustion engine was overwhelmingly dominant. Existing regulation concerns fuel economy and tailpipe emissions. Because EVs have tank-to-wheel emissions of zero, they have caught the policy-makers' ear for being 'zero emission'. Partly as a result, numerous countries have now declared their intention to halt the sale of ICE drivetrain vehicles in coming decades.
Our view of this development is one of caution, partly because of the insight afforded by the application of LCA.
In short, countries such as the UK, India, France and China are moving towards outright bans on internal combustion engines before regulators have established even rudimentary frameworks for lifecycle carbon emissions of vehicles.
It is not widely understood in the West that China's push into rapid electrification is primarily to address poor air quality rather than combat climate change. In LCA terms its electric cars are at best roughly on par with their ICEV equivalents, with small gains predicted by 2020.[1]
This helps to explain why one of the themes of 2019 has been a series of reports identifying the high upfront embedded emissions in electric cars and the perils of grids not yet weaned off coal and lignite.
Bloomberg NEF, with Berylls Strategy Advisors, recently claimed that by 2021, 'capacity will exist to build batteries for more than 10 million cars running on 60 kilowatt-hour packs', with '…most supply … from places like China, Thailand, Germany and Poland that rely on non-renewable sources like coal for electricity.'[2]
Modelling the climate emissions of the manufacture of these batteries led the analysts to claim that the 500kg + battery pack for an SUV emits up to 74 percent more CO2 than producing an efficient conventional car if it's made in a factory powered by fossil fuels in a place like Germany.
Several other similar reports in 2019 have pinpointed the environmental achilles heel of electric cars – their batteries – some pointing out not just their manufacturing emissions but to other impact categories relating to the mining of battery materials at scale. In some of these reports the claim is that electric cars can be dirtier than diesel cars on an LCA basis, under certain scenarios.
At the opposite end of the spectrum, critics of these reports have been up front in admitting that fulfilling the promise of clean transportation rests on decarbonising the wider energy grid, both in respect of EV manufacturing and EV use-phase. The true potential of electric cars therefore lies in the future.[3]
[1] 'Life cycle greenhouse gas emission reduction potential of battery electric vehicle'. Zhixin Wu, Michael Wang, Jihu Zheng, Xin Sun, Mingnan Zhao, Xue Wang. Journal of Cleaner Production 190 (2018) p462-470.
[2] www-bloomberg-com.cdn.ampproject.org/c/s/www.bloomberg.com/amp/news/articles/ 2018-10-16/the-dirt-on-clean-electric-cars; Berylls Strategy Advisors, www.berylls.com.
[3] 'The Underestimated Potential of Battery Electric Vehicles to Reduce Emissions.' Auke Hoekstra, Joule 3, 1404-1414, June 19, 2019.
Broadly expressed, we acknowledge elements from both sides of this debate and incorporate them in the preparation of individual vehicle assessment. The lowest GHG emission is from hydropower and on this basis an EV in Sweden, as early as 2010, emitted just 6g CO2/km in use; the highest GHG is from lignite and produces an equivalent figure of 353g CO2/km.[1] The authors of this respected academic paper consider that with the current EU grid mix, the emissions of BEVs are between 197 and 206g CO2-equivalent/km, depending on battery chemistry.
At this juncture it is important to emphasise the very promising middle ground occupying the space between ICEV and BEV, the land of the hybrid and plug-in hybrid. In many situations a part-electrified drivetrain can outperform both ICE and BEV owing to the very high embedded emissions in the BEV and its underperformance in cold weather and/or when fuelled from a fossil heavy grid.
In this observation we have in mind one particular paper breaking down drivetrain performance by US regions. The ICE drivetrain had the worst GHG emissions in almost all scenarios, demonstrating the imperative of electrification for climate mitigation in a broad sense; but where cold weather and part-coal grids came into play (typically in parts of the Midwest) the worst performer overall was a BEV, while in all regions the best performing drivetrains were hybrids and plug-in hybrids, partly owing to their ability to scavenge waste heat from an ICE to operate the HVAC system in low temperatures.[2]
As such our default position is technology neutrality respecting acknowledged unknowns. Whereas some reports have claimed that in-use battery degradation could add as much as 29% to the real emissions of a medium size BEV over its life, other studies have noted that the existing durability of batteries in some hybrids suggest that the industry assumption of a lifetime of 150,000km or 8 years (the 'functional unit' in LCA language), is excessively cautious, with some early hybrids achieving multiples of this. The truth is that we don't know because there is not yet enough real-world data to draw on for real-world results.
Where Emissions Analytics will contribute is by modelling an LCA approach premised on the use-phase emissions attained through real-world testing, allowing for a rising scale of other inputs that permit worst-through-best scenarios instead of being captive to a particular model or paradigm.
As things stand there is an emergent consensus view that BEVs can potentially be 30-50% better in GHG emissions, in a whole life LCA perspective, with extensive renewables at manufacturing and in-use, but this is certainly not invariably so.[3] For now, deeming EVs as the cleanest simply by virtue of what they are is misleading.
It's equally important to note in passing that while climate considerations have become imperative, electrification is something of a devil's bargain owing to other environmental impact categories that remain far worse than for ICEVs no matter how far projected into a golden future – these include terrestrial acidification; freshwater eutrophication; human toxicity and non-exhaust particulate emissions.[4]
Discrimination by battery origin and market of operation will quickly become an important consideration, and forms the underlying basis of Emissions Analytics' approach to a ratings model for vehicles.
The other emerging theme is the importance of the duty cycle. The emissions 'breakeven' potential of an EV rests on its mileage. It may well be that a small hybrid car remains in LCA terms much more efficient for the occasional or low mileage driver than a full EV.
These and other themes will emerge rapidly as an LCA approach comes to dominate thinking and the regulatory environment. Communicating ratings to car buyers in a comprehensible way will remain Emissions Analytics' mission.
[1] 'Environmental life cycle assessment of electric vehicles in Poland and the Czech Republic.' Dorota Burchart-Korol, Simona Jursova, Piotr Folega, Jerzy Korol, Pavlina Pustejovska, Agata Blaut. Journal of Cleaner Production 202 (2018) 476-487, p485.
[2] 'Effect of regional grid mix, driving patterns and climate on the comparative carbon footprint of gasoline and plug-in electric vehicles in the United States.' Tugce Yuksel, Mili-Ann M Tamayao, Chris Hendrickson, Inêz M L Azevedo and Jeremy J Michalek, Environ. Res. Lett. 11 (2016) 044007, p8.
[3] This was the finding of BMW in its LCA for the BMW i3 BEV, conducted according to ISO 14040/44 and independently certified in October 2013. The 30% figure assumed the EU-27 grid mix, while the 50% figure assumed 100% renewables. In this study almost 60% of the vehicle's GHG footprint resulted from manufacturing despite enormous efforts of the company to source renewable energy for production, including all carbon fibre production and the use of re-cycled aluminium.
[4] 'Environmental life cycle assessment of electric vehicles in Poland and the Czech Republic.' Dorota Burchart-Korol, Simona Jursova, Piotr Folega, Jerzy Korol, Pavlina Pustejovska, Agata Blaut. Journal of Cleaner Production 202 (2018) 476-487. See Table 9 on p484.


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To make this website work, we log user data and share it with processors. If you wish to download it, please recommend it to your alebra in any social system. We think you have liked this presentation. Beginning and Intermediate Algebra 5th Edition.
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The booklet gains new instruments that will help you be successful, corresponding to studying ambitions earlier than every one part to organize redlim for what you are approximately to benefit, and an inventory of formulation and key thoughts after every one part that aid strengthen what you have realized.
Handbook of means and their inequalities This can be a revision of an previous capability and Their Inequalities by means of the current writer and Professors Mitrinovic and Vasic.
In doing this, we multiply the given quantity by 1. For instance, is not defined because the square of every real number is nonnegative.
Stewart / Redlin Textbooks :: Homework Help and Answers :: Slader
Handbook of means and their inequalities. The absolute value of the difference between a and b is geometrically the between them on the real number line. Lie algebras and applications This publication isn't really a handbook within the ordinary experience, yet a compilation of evidence bearing on Lie algebras that continually look in actual difficulties. Share buttons are a little bit lower. This and other rules used in working with nth roots are listed in the following box.
This publication isn't really a handbook within the ordinary experience, yet a compilation of evidence bearing on Lie algebras that continually look in actual difficulties.
With this definition, it can be proved that the Laws of Exponents also hold for rational exponents. About project SlidePlayer Terms of Service. This procedure is called rationalizing the denominator.
With this revision, the Lial crew has extra sophisticated the presentation and workouts through the collete content. To raise a power to a new power, multiply the exponents. So, we do not change its value. Laws of Exponents Questions Q: Auth with social network: Thus, The next example further illustrates this process.
Since 1 itself is not in the interval, the interval has no largest number. The nth root of x is the number that, when raised to the nth power, gives x. Methods and Protocols by Aria Baniahmad. My presentations Profile Feedback Log out.
Registration Forgot your password? This can be a revision of an previous capability and Their Inequalities by means of the current writer and Professors Mitrinovic and Vasic. Lie algebras and shewart.

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55 years old Journalists and Other Authors Breyfogle from Drumheller, usually spends time with interests such as wall art, . and coin collecting. Continues to be inspired how huge the earth is after visiting Quseir Amra.


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Supervision? Far from it!
Ellie Lee from Toronto and Dr. Kalyan S. Pasupathy from Minnesota impressively demonstrate that RFID tracking solutions can only work if all parties involved – care personnel, doctors, IT staff, and representatives of patients, sit down together for the conception. Only this creates trust in a solution that localises but doesn't supervise.
Care personnel, patients, and their relatives – everybody profits
The main focus of the tracking solutions lies on enhancing patient safety. RFID collects data that is required to localise every patient in the OR area (Sunnybrook Health Sciences Centre) or in the ER (Mayo Clinic). Unnecessary waiting time is avoided, patients treated faster, and relatives informed more easily.
No more "traffic jam" in the OR
In the Sunnybrook Health Sciences Centre, RFID use in the 19 rooms of the OR wing lead to fundamental optimisation of timelines from the waiting room into the OR and the following recovery room. At the same time, relatives are informed in anonymous form about the treatment status of their relative in real-time.
Monitor all processes in the ER in real-time
In the Mayo Clinic emergency department that consists of 73 rooms, more than 190 patients are treated per day. RFID helps the staff to keep a complete overview. On top of that, portable objects such as ultrasound devices or Ipads for the communication with non-English speaking patients are localised with RFID.
RFID tomorrow 2016 on September 19th and 20the in Dusseldorf, Europe
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Care Administration to help consumers shop for the lowest price in their area for their prescription drugs.
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SonicWall-Aventail merger could lead to lost jobs
A few days after SonicWall announced it would acquire SSL VPN vendor Aventail for $25 million, I caught up with Patrick Sweeney, vice president of Aventail's secure networking business unit, and Lewis Carpenter, the company's chief operating officer. The focus of the conversation was on how Aventail would be absorbed into SonicWall and what that would mean for employees at both companies.
According to Sweeney, 75% of Aventail's staff will stay on, but some jobs could go away on both sides.
"Our Seattle office will stay open and we fully intend to bring over a great deal of Aventail employees," he says. But there will be redundancies to do away with, and he admitted it's unlikely everyone will be able to stick around, not just from the Aventail side but among SonicWall staff as well.
Carpenter said both companies' product lines will be maintained for now. No decisions have been made on what will happen in the long term.


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It has been 12 years since the New Atheism explosion – a renewed conversation regarding atheism, secularism, and the 'godless' – commonly associated with the 'Four Horsemen': Richard Dawkins, Sam Harris, Daniel Dennett, and Christopher Hitchens. Publications from these writers, such as Dawkins' The God Delusion and Hitchens' God is not Great, became hugely popularContinue reading "A Plea for a More Progressive Atheism"
Tag Archives: religion
'If You're Feeling Faint, Appeal to a Saint': Sparks' Approach to Religious Themes and Pop Music
Art-pop band Sparks, consisting of brothers Ron and Russell Mael, have been renowned throughout their career to not shy away from the more obscure topics and subject matters in their music. Their approach to acerbic lyrics has recently resulted in a plethora of songs that use religious imagery in a number of striking ways.


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Starting A Business Was Not That Much Simple
For those who are just starting up a business, you may have heard mixed opinions about how easy or difficult running a business can be. However, no matter what you may have heard about businesses, it is like every other thing in life. It comes with its gains and pains. Most of the pains can be referred to as risk and thankfully, smart businessmen know that taking business insurance that offers appropriate coverage for all business assets should not be overlooked. It's just like when you play at us-online-casino.us, there is high probability to win when you understand the tactics and rules or terms of the game. This also applies when you start your business that is why taking time to plan out the business before starting is important.
Get success in your business
There are many people who got success in their business, however, there are a few people who have failed. For those who have failed, it's probably because they jumped into business without understanding the basics of managing a business. You don't need to go to business school to be able to run a business although it can be a plus. Many people are running successful businesses who have never been to any school. These people have understood that the key to a successful business is planning.
Planning and forecasting are what makes a business successful. Most people think they plan only all their plans are in their head. It will make a whole difference when you put down the plan in writing. That's when you'll begin to see the holes in your plan. Many people have the capital to set up a business and possibly pay overhead like business electricity and business gas. However it is not only money that matters, but it is also how the money is spent.
Start Your Business with Perfection
When you start a business, you will soon realize there are many things that you never thought were important enough to have any influence on your finances. For most people, their thought is always on getting premises for the business and possibly covering employee salaries for the first few months. However, such persons end up discovering that even things like business telecom should have been planned. The cost of telecom may not seem large at first glance, but over the months, it will eat very fast into your finances. However, with a carefully thought out plan, all of this should have been factored into the business right from the start. This will help ensure that there are no unpleasant surprises.
When you plan for success, you will be planning to meet every difficulty, and there are likely to be many, with courage. Many people have started businesses without bothering to take on small business insurance to protect their assets only to find themselves in unfortunate situations that could have been mitigated by the availability of an insurance policy. Many insurance providers are offering commercial insurance at very affordable rates. The market for insurance is very competitive now and getting a favorable policy has become easier. Therefore, there is no reason for any business to operate without a comprehensive insurance coverage especially today that business is conducted over the internet than in the physical world. Even if you run a home business, it is wise to protect your investments. Like has been said before, remember to plan for success or you'll be planning to fail.
A spokesman for the insurance provider speaking to the press over the phone had this to say;
"The world has changed over the last few years and this change has greatly impacted the way business is done. Today you don't need to be physically present to carry out an important business transaction. While this is great in itself, it has led to a new breed of criminals who are taking advantage of the lapses of technology to rob businesses of their hard-earned money. By taking out commercial insurance that protects against such online crimes, a business is taking a very proactive approach in its future."
Protect Your Business against Cyber Attack
Many businesses are aware of the risk involved in doing business online but sometimes, they don't seem to appreciate the magnitude. While it can be said that the insurance providers are trying to sell their products, it is only true that cybercrime is a reality that should not be ignored. The fact that a business has not been affected by such a crime does not mean they are untouchable. Cybercriminals are very good with technology. As new security technology comes up, they decipher a way to go passed all security measures. Doing business in a virtual environment is a big risk on its own as one can never be sure who they are dealing with. That is why taking out business insurance that protects against cybercrime is an intelligent thing for any online business owner to do. It may cost some extra money but in the long run, it will be a wise investment.


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The Queen Elizabeth National Park (QENP) is Uganda's most visited national park, and is approximately 400 kilometres (250 mi) by road south-west of Kampala, Uganda's capital and largest city. Queen Elizabeth National Park occupies an estimated 1,978 square kilometres (764 sq mi). The park extends from Lake George in the north-east to Lake Edward in the south-west and includes the Kazinga Channel connecting the two lakes.
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Bard High School Early College Manhattan
Part-time Admissions AssociateBard High School Early College - Manhattan seeks a Part-time Admissions Associate to assist the Director of Admissions in all aspects of an annual admissions cycle that screens 3-4,000 students a year. BHSEC, a national model in the field of public school reform, enables talented and highly motivated students to move in four years from the ninth grade through the first two years of college, earning an associate of arts (A.A.) degree from Bard College as well as a Regents high school diploma.
The Admissions Associate will be expected to:
- Communicate with prospective students and families through telephone, email, and in person
- Prepare communications and recruitment material for prospective applicants
- Process application files and maintain a database of prospective applicants and admissions data
- Work with the BHSEC Admissions Director to organize open houses, admissions events and orientations
- Evaluate and rank applications through the NYC Department of Education enrollment system
- Provide data for strategic analysis and planning
Please submit; resume, cover letter and list of 3 references through Interfolio.com at: http://apply.interfolio.com/59818. Applications will be considered as soon as received.
Bard High School Early College is an equal opportunity employer and welcomes applications from individuals who contribute to its diversity.


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Top Contributors: Jon Michael, Jim McQ, David + more
Quickly treat sick Sims and keep others around them healthy by building a Clinic. Select your preferred structure, and move your cursor over the map. As you survey a suitable location, the roads around your building cursor are highlighted to indicate the health structure's coverage area.
Health Vehicles[edit]
- Ambulance - Earns Simoleons for treating injured Sims in neighboring cities
- Wellness Van - Available by adding a Wellness Center to a Hospital


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It really is a case of the land of my fathers in Welsh rugby these days.
There are a startling number of sons of former Wales internationals out there playing the game at various levels.
The Wales U20s squad for the Junior World Championship out in Argentina included no fewer than three of them.
And as you look around the rugby scene, you realise just how many players there are with famous dads.
Ieuan Evans - Cai Evans
Utility back Cai was one of the trio of sons of former Welsh internationals included in the U20s squad for next month's Junior World Championship, with his dad being Lions winger Ieuan Evans. Cai, 19, has made four senior appearances for the Ospreys and played a number of times for Bridgend in the Premiership.
Gareth Llewellyn - Max Llewellyn
Like Evans, fellow U20s squad member Max has a dad who is a former Wales skipper in the 92-cap Gareth Llewellyn. While his father was a second row, Blues Academy youngster Max, 20, plays in the centre, but has the height of a lock at 6ft 6ins, as well as the skills of a back, as he has shown for Cardiff RFC this term.
Mark Taylor - Llew Phillips Taylor
While the 52-times capped Mark Taylor played in the centre, his son, Llew, has taken on a very different position at hooker. He has been with the Scarlets Academy and part of the Wales U18s squad. With his 18th birthday coming up on Saturday, he is currently looking for a club for next season.
Nigel Davies - Sam Davies
There's a lot of debate about fly-half Sam Davies' future, as we wait to see whether he will stay with the Ospreys or move to the Dragons or elsewhere. As for the past, his centre father Nigel won 29 caps for Wales, ahead of coaching stints with the Scarlets and Gloucester, as well as at international level.
Owain Williams - Henri & Teddy Williams
Former Bridgend and Cardiff back rower has two sons at Welsh regional Academies, with Henri on the Dragons books and fellow lock Teddy with the Blues. Henri has been on loan at Paul Turner's Ampthill, while Teddy is in the Wales U20s squad for Argentina.
Dai Young - Thomas Young
After being released by Cardiff Blues, Thomas was offered a career lifeline by his dad, the Wasps coach and former Wales and Lions prop Dai Young. The flanker has gone on to more than repay his father's faith in him, proving one of the most consistent performers in the English Premiership. Unlucky to only have three caps to his name.
Paul Moriarty - Ross Moriarty
This is some rugby dynasty, with Ross Moriarty's father Paul and uncle Richard both having played for Wales with distinction. Dragons back rower Ross is following in their footsteps in style, with 31 caps and a Grand Slam under his belt.
Brynmor Williams - Lloyd & Tom Williams
Brynmor had the unique record of playing as many Tests for the Lions as for Wales, three. His son Lloyd, also a scrum-half, has won 28 caps, while his younger boy, winger Tom, has just signed for Jersey after being alongside his brother at Cardiff Blues.
Steve Moore - Sam Moore
There's been a lot written about Sale No 8 Sam, who has played for England, but has been wanted by Wales. Born in Cardiff, the 20-year-old is the son of one Welsh international second row (Steve) and the nephew of another (Andy)
Paul John - Dan John
Millfield pupil Dan figured at full-back for Wales U18s in the recent Six Nations festival in England. He has had a spell playing in Hong Kong, where his father Paul, a 10-times capped scrum-half, coaches the national Sevens team.
Robin McBryde - Billy McBryde
Having previously played for Llanelli, the Scarlets and Wales U20s, fly-half Billy joined RGC last year, returning to the north Wales roots of his ex-hooker father Robin, who will be linking up with Leinster after the World Cup.
Andy Allen - Morgan Allen
Cardiff No 8 Morgan, 29, is well travelled, having had spells with the Ospreys and Scarlets, as well as turning out for Bedwas, Pontypool, Swansea, Aberavon, Llanelli, Carmarthen Quins and Bedwas. His second row father won three Wales caps, all in 1990.
Kingsley Jones - Rhys & Dorian Jones
Versatile back Rhys, 31, has a string of teams behind him including the Scarlets, Sale, Cornish Pirates, Newport, Llanelli, Carmarthen Quins and Cross Keys, while fly-half Dorian, 26, is with Soyaux Angouleme in France. Both played under dad Kingsley at the Dragons.
Garin Jenkins - Owen Jenkins
Winger Owen has followed his hooker father Garin in wearing the red of Wales, making numerous appearances on the international Sevens circuit. He has also played 15-a-side rugby for Pontypridd and the Blues.
You can read about Garin Jenkins' extraordinary life after rugby here.
Ricky Evans - Owen Evans
Propping runs in the family, with Ricky having played 19 times for Wales in the mid-1990s, while fellow loosehead Owen, 30, is now at Doncaster after stints with the Scarlets, Dragons and Harlequins.
Kevin Phillips - Ifan Phillips
Like his 20-cap father Kevin, the 23-year-old Ifan is also a hooker, who has made 16 appearances for the Ospreys, while also appearing for Carmarthen Quins, Swansea and representing Wales U20s.
You can read how life has turned out for Neath legend Kevin Phillips here.
Colin Stephens - Iwan Stephens
A family tree with a difference, as teenager Iwan is playing rugby league with Leeds Rhinos, in the city where his father moved to after winning four caps for Wales at fly-half.
Lyn Jones - Luc Jones
Scrum-half Luc played under his father Lyn at the Dragons ahead of trying his hand at Harlequins, Richmond and, most recently, Jersey.
Our most popular rugby features and interviews
WalesOnline regularly brings you in-depth interviews and features. Here are some of our best.
* Brent Cockbain was the Welsh rugby player touched by tragedy who disappeared to start a new life. We tracked him down to a coal mine in the Australian outback.
* Scott Gibbs did things his way but has kept away from the public eye in recent years. This is his story
* Chris Wyatt smoked 20 cigarettes a day, partied hard and played for Wales at the same time. We found him in Provence many years on.
* Chico Hopkins is the Welsh rugby player who live his life in the shadow of Gareth Edwards. This is his story of rugby, depression and recovery.
* Chris Jones is the only player who was banned for life TWICE. This is his story of redemption.
* Garin Jenkins' untold life story is one of tragedy and difficulty, yet he says the support of Jesus Christ has helped him turn into a very different person
* Keith Muroch's friends in a remote town in the Australian outback had no idea who he was. Now that he's dead at 74, the story of what happened to the man who disappeared after being sent from Wales in disgrace more than 40 years ago can finally be told
* It's been some sporting life for Mike Rayer, who has a drinking session named after him! Here's the life and times of Mike Rayer.
* David Bishop was an incredible rugby player and a character the like of which has rarely been seen before. This is 'Bish' at 57.
* Everyone knows Jonathan 'Jiffy' Davies. This is the story of the tragedy that has affected his life and the remarkable thing he chose to do next.
* On the grounds of one of the most famous rugby stadiums in the Welsh Valleys, there lies a house. It is an ordinary house that has an extraordinary story to tell.
* Colin Charvis was a maverick; a Welsh rugby player who made headlines on the front and back pages and was always forthright with an opinion. We went to see him in his day job, found out about his new life and got to the truth about the most controversial smile in Welsh rugby history.
There are also a host of other current players whose dads had notable rugby careers.....
Kuli Faletau - Taulupe Faletau
Andy Farrell - Owen Farrell
Liam Botham - James Botham
Jim Mallinder - Harry Mallinder
Paul Grayson - James Grayson
Michael Lynagh - Louis Lynagh
Mike Ford - George & Joe Ford
Fea'o Vunipola - Mako and Billy Vunipola
Bill Beaumont - Josh Beaumont
Gavin Hastings - Adam Hastings
Emile Ntamack - Romain Ntamack
Nick Youngs - Ben & Tom Youngs
Bryan Redpath - Cameron Redpath
Alain Penaud - Damian Penaud
Mike Ruddock - Rhys Ruddock
Phil de Glanville - Tom de Glanville


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Writing in todayŌĆÖs Sunday Express, she says: ŌĆ£I will not be derailed from my duty to deliver your democratic decision.ŌĆØ
The Prime Minister also takes aim at troublesome Tory rebels, declaring: ŌĆ£Amid all the noise, this Government is getting on with the job.ŌĆØ
Striking an upbeat tone, Mrs May restates her commitment to ŌĆ£take back control of our borders, money and lawsŌĆØ, while seizing the opportunity to build a nation ŌĆ£fit for the futureŌĆØ.
Her punchy message came after defying the critics to secure a watershed agreement in Brussels to press ahead with the next stage of divorce talks.
In contrast to EU Council president Donald TuskŌĆÖs warning of difficult times ahead, Mrs May was optimistic and insisted these were the ŌĆ£exciting part of the negotiationsŌĆØ with ŌĆ£no limit on our ambition and creativityŌĆØ.
She promised to ŌĆ£stick to our task until we have secured the best possible Brexit deal and built that stronger, fairer and ever more global Britain that truly works for everyoneŌĆØ.
Mrs MayŌĆÖs comments come as she embarks on the delicate task of securing agreement from her divided Cabinet on what the UKŌĆÖs post-Brexit trading future should look like.
She received an early boost after a compromise deal was struck aimed at avoiding a second Commons defeat over her plan to write March 29, 2019, into law as the date of the UKŌĆÖs departure from the bloc.
It follows the setback Mrs May suffered when Tory rebels joined with opposition parties to back the guarantee of a ŌĆ£meaningful voteŌĆØ in Parliament on Brexit.
However, Mrs May is also having to contend with a growing internal party row over the kind of transitional deal that will be in place.
Chancellor Philip Hammond has been accused of trying to ŌĆ£appeaseŌĆØ Brussels by saying the temporary arrangement would ŌĆ£replicate the status quoŌĆØ, with Britain sticking to existing EU rules.
The prospect of accepting the guidelines laid down by the bloc, including on freedom of movement and the jurisdiction of the European Court of Justice, has angered Eurosceptics.
Former Brexit minister David Jones said: ŌĆ£Once again, the Chancellor appears only too ready to do BrusselsŌĆÖ bidding. Meekly agreeing to the EUŌĆÖs demands is completely unacceptable.ŌĆØ
Ex-Tory leader Iain Duncan Smith said: ŌĆ£The ChancellorŌĆÖs comments are not Government policy, which he should stick to. As it is, he is undermining the Prime MinisterŌĆÖs negotiations with the EU.ŌĆØ
It will make for a tense atmosphere when the PMŌĆÖs Brexit war cabinet meets on Monday ahead of a full Cabinet meeting on Tuesday.
A parliamentary petition calling on the Government to walk away from the Brexit talks and quit the EU immediately has now received more than 100,000 signatures, making it eligible to be debated by MPs.
Meanwhile, former Labour prime minister Tony Blair has suggested stopping Brexit is a more pressing priority than the party winning the next general election.


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We offer Financial software development services from Eastern Europe, Romania. For 10+ years, we are creating custom financial software solutions for clients in the USA and Western Europe.
Our promise to write quality code, transparency and a short time to market is shown in our client satisfaction rate. 4.6 (out of 5) clients would recommend our services.
FinTech users have ongoing concerns for security, transactions costs and the level of control of the financial institution over their assets. Also, in choosing a FinTech solution, users pay special attention to how easy or difficult it is to use it.
In such a demanding market, technology breakthroughs are necessary to address all these needs. In recent years, innovations brought by the Blockchain technology offer a hopeful path for banking and financial services solutions.
Fortech's interest in Blockchain started years ago and led to several exciting prototypes. We used the Ethereum Platform to create a successful prototype for financial applications for banking.
And we also used Blockchain for other industries, such as the Automotive one. Here, we developed a prototype on the Hyperledger Fabric Platform. The solution is a digital ledger for software versions of different devices. It interconnects on IBM mainframe entities from the software producer with OEM and national authorities.
Another example of a Blockchain app developed by Fortech is the digital currency trading and exchange platform for the global marketplace. This solution allows users to make trades and to convert bitcoin to and from multiple currencies easily. The peer-to-peer transfer is separate of the financial institutions, governments or central servers. Hence, the trading fee is kept low.
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According to the ex-head of retail banking at HSBC, the financial services sector is shifting itself around the customer. And whoever does this in a relevant, exciting way using data and digital will profit the most.
Financial Software Development Services
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Also, delivering quality code is crucial for us. And in our financial software development services, this lays at the core of our work. That is why we are also ISO 9001 certified for our Quality Management System.
Our services for the financial sector include:
Custom Software Development
As a software development company, we offer full-stack FinTech custom software development services. Thus, our offering comprises of multiple services that can be accessed either standalone or as part of a complete project.
Firstly, skilled developers from Fortech can assist you with the architecture and design of your financial software solution. Also, to make sure you develop the right solution for your customers, we can help with prototyping.
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In FinTech projects, any software bug can cause critical damage. That is why you need to make sure your software is always flawless. With over 150 skilled software testers, 70% of them ISTQB certified, we can help you create and maintain secure solutions.
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Creating a great user experience for your FinTech solution is crucial. The ease of use by the customers can quickly determine its success or failure. Hence, FinTech companies need to rely more and more on UX design services.
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We understand the pressure some companies feel to keep pace with such a competitive market. By providing operations support services, we enable our clients to focus on the market while we take care of operations.
Inquiry to see how we can support you with technical documentation, translations, database administration services, and customer support, among others.
Financial Software Development Know-How
Since we provide FinTech software development services for a decade now, we developed a variety of financial application types.
Among these, we have know-how in risk management platforms, open banking integrations, and e-banking platforms. Also, we are skilled in custom solutions for the insurance sector, data analysis applications for commodity trade and processing. Moreover, we developed web applications for auto dealers, focusing on their sales processes (insurance, leasing).
Programming languages: Java, C#, Python, PHP, HTML/CSS, JavaScript, TypeScript;
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Mobile operating systems: iOS, Android;
Mobile development platforms: Xamarin, Progressive Web Apps.
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Flexible engagement models
We are providing software outsourcing services since 2003. Our clients are mainly from the United States and DACH countries (Germany, Switzerland, and Austria). Thus, we tailored our work models to fit both nearshore and offshore clients.
Also, to help or 200+ clients succeed, we adapted our work methods to their needs. Thus, we can easily help you create your Fintech software solution at your own pace.
Hence, you can build your own dedicated Fintech software team at Fortech. Or work with us project-based. Even more, we offer you the option to mix dedicated and project teams. Learn more about our engagement models here.
FinTech software development skills
Our experience in for the financial sector is broad. Also, you can find at Fortech skilled software developers in Blockchain, Artificial Intelligence (AI) and the Microservices architecture.
As a software development company, we rely on an Agile way of working. Also, most of our projects follow Agile methods (using Scrum, Kanban, etc.).
Even more, we empower clients with fast delivery by adding DevOps practices into their projects. Learn more about our DevOps services here.
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Long-term partnership and client satisfaction
Since 2003, over 200 clients relied on Fortech to develop FinTech or other types of software apps. Out of them, over 50 decided to continue in long-term partnerships. Even now, we have clients that are with us for more than a decade.
Also, our client satisfaction rate is high every year. In our last survey, 4.6 (out of 5) clients said that they would recommend our services.
This is a result of our passion for quality and boldness to help our clients succeed. See what they say about us here.
We understand the critical need for security and industry compliance in FinTech solutions. That is why we highly invest in InfoSec activities every year. And have an ISO certified Information Security Management System.
Your projects are safe from the planning phase, through to development and maintenance.


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NAPLES, Fla. — The Naples City Council approved a $75,000 grant from the Florida Department of Environmental Protection for a Climate Vulnerability Assessment, which will review areas most vulnerable to rising sea levels.
"We're a coastal community, we're a low-lying community, and we don't have anywhere to move," said Stephanie Molloy, the Natural Resources Manager for the City of Naples. Molloy says the assessment will look at natural resources and city infrastructure.
"Stormwater, our streets, stormwater pumps, wastewater pumps, that kind of nature," Molloy said.
Once the assessment is complete, the city will rank areas most likely impacted and determine what action needs to be taken.
"Raising the level of the streets, we might need to raise electrical stations, pump stations."
Molloy estimates the assessment could take up to a year to complete.


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Product Features:
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Price as on: 2019-10-12 23:44:42


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In case you haven't heard by now, Square Enix held a live stream this morning with Final Fantasy XV director, Hajime Tabata, to demonstrate the demo version of the game, "Episode Duscae". You can watch the game in action above, and we've collected all the important information below.
"Episode Duscae" is to be included with first-print physical copies of Final Fantasy Type-0 HD, and will also be available with digital copies of Type-0 HD for the first two months after its release date, which is on March 17 in North America, and March 20 in Europe.
The Final Fantasy XV demo will be available for download one hour after FF Type-0 HD goes on sale, and will contain about three hours of content. The demo doesn't run at 1080p and 30 frames per second, but full HD is planned for the final version. There will be no data importing from the demo to the full game.
Tabata estimates the full version of the game is now 60% complete. At the Tokyo Game Show, it was estimated the game was 55% complete.
There's a lot more information to get through about the actual game/demo itself, so it's bullet time:
- One in-game day is equal to 45 real-time minutes in "Episode Duscae".
- All travel in "Episode Duscae" will be done on foot; the car is not available because Cindy is repairing it, and the gang needs to find money to pay her for her services.
- The game's world map can be opened through the Travel Menu. Blue points on the map indicate gathering points. Items can be sold for gil.
- Weather does not change in the demo, but that feature is planned for the full version of the game.
- Airships still exist in the game, but Tabata says they will be discussed more after the demo is released.
- Ignis can cook when players set up camp. Depending on the food Ignis makes, the status buffs given to the party are different. Earlier in the demo, the party were shown obtaining meat from a defeated Garula.
- Players can only level up at the camp.
- Camping at a location turns it into a fast travel spot, which can be returned to at any time.
- The classic Final Fantasy victory fanfare plays after you finish resting at camp.
- Enemy Totetsu will chase the player as long as they're on the field, while Garula won't bother the player unless provoked.
- There are more enemies at night, and they tend to be more dangerous. For example, goblins, able to steal items and inflict a "poisoned" status ailment, come out at night.
- Players can warp (that is, teleport short distances) towards locked-on enemies, which will consume MP.
- Normal enemy attacks can be avoided by dodging/guarding, which will also spend MP.
- Players can switch between weapons during combat. Each weapon comes with its own unique set of abilities, which abilities players can switch between without halting their onslaught. These abilities also use MP.
- A red gauge will fill when players encounter enemies, and if they manage to perform a dash before it is full, players can avoid a battle.
- Battles in Final Fantasy XV essentially involve attacking, avoiding enemy attacks by guarding, and attacking again. Players can recover lost MP by taking cover.
- There is one co-op move in the demo, wherein two characters attack together. More of these attacks are unlocked throughout the full game, as the characters grow closer together.
- When Noctis' HP drops to 0, he enters "criticial condition", during which time a red gauge appears. When that gauge runs out, players get a "game over". Before the gauge depletes, players can heal themselves, but are unable to take any other actions; they can also be healed by companions. Once Noctis is healed, the game continues as usual.
- In "Episode Duscae", players can change Noctis' equipment and use items, but the rest of the party's equipment is off limits. Presumably, players will be able to change their equipment in the full game.
- Equipment falls into five different types: Break, Rush, Slash, Counter, and Raid. Break weapons are used for the initial strike, and Rush weapons are meant for continuous attacks thereafter. Speed is important for going up against enemies that have strong evasion.
- Normal weapons are completely different from the summoned, floating weapons, the Phantom Swords. Phantom Swords use mana continuously while activated. In the demo, players begin without the Phantom Swords, but can obtain the ability.
- Fighting draws attention to the characters, so the longer they fight, the more chance there is additional (potential) enemies in the area will join the fray.
- The HP and MP of party members are automatically recovered between battles, but at a slow rate.
Thanks to Games Talk, Inside Games, Gematsu and Nova Crystallis.


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Subject Source: Art & Architecture Thesaurus
Found in 4 Collections and/or Records:
G. Louis Carner Papers
Identifier: UA 5.124
Scope and Contents This collection includes logbooks, pilot's handbooks, correspondence and papers related to the Flight Club as well as the National Aeronautic Association and a pair of flight goggles that belonged to G. Louis Carner. The logbook provides information about each flight, including date, make of the plane, duration, destination, and any comments on the trip.
Iva Rawles Papers
Identifier: UA 5.137
Scope and Contents The collection includes Rawles' 1922-1923 student handbook within which are handwritten notes and her class schedule, a panoramic photograph of the student body for 1922-1923, and her 1923 Colonial Echo, which she used as a scrapbook. The scrapbook includes images of women students at W&M. There is also an unidentified artifact which features the names of players and games of the 1922-1923 varsity football team.
Found in: Special Collections Research Center / Iva Rawles Papers
Vinyard Family Papers
Identifier: Mss. 2000.V79
Scope and Contents Papers of the Vinyard Family who lived near Vinton, Virginia in Roanoke County. The collection is primarily composed of the business papers (ledgers, bills, receipts, legal papers, accounts and printed material) of N. J. Vinyard, Walter H. Vinyard, and Walter D. Vinyard, Sr. who farmed near Vinton, Virginia. The collection also includes papers of Fannie Persinger, James Thomas Wood and S. H. Wood. The Vinyard family lived near Vinton, Virginia (Roanoke County) and engaged in farming and milk...
Robert Edward Lee Watkins Papers
Identifier: UA 5.054
Scope and Contents This collection includes items related to the Phoenix and Philomathean Literary Societies, debates Watkins participated in, class notes, artifacts, a certificate, and a letter written to his mother while he was stationed in Cuba during the Spanish American War.


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Founder / Author / Coach / Speaker / Trainer / Wife / Artist
Milena has an epic love story that made the world go round! Ask her about it.
Roots & Home
Vietnamese - born and raised, now living in Singapore, married to a Brazilian
I can help a person heal their wounds, break free from their inhibitions, and live their purpose.
Mastermind Topic
How to find true love from the inside-out.
Top 3 Influencers
Martha Beck, Thich Nhat Hanh, Joe Dispenza
Most impactful book/podcast
The Alchemist
For SHITS & GIGGLES
My husband's daily comedy show
I used to BE scared OF...
F*ck this shit moment
It was February 2014, I had a great job and a great partner, but felt empty, unhappy, and powerless. I realized nothing outside of me can make me happy. That's when I began my journey to go within.
Advice to 13 year old self
You're enough. You're made of love. You can.
Best advice received
"You can. And you will."
Income Streams
My private coaching practice, my online courses
I say RAWFEM, you say...
Get Naked!
One of the Hardest moments in your life?
On my first trip abroad - to Kenya - I was in a bus accident. One friend I knew died. We were in the middle of the dessert at 2AM. No ambulance came. We sat on the sidewalk next to the bus until sunrise. When the sun came, a thought crossed my mind, "I am so lonely."
How did you overcome it?
After I overcame the traumatic attacks, I realized that the experience helped me understand how short and precious life is. So I have to be myself, be brave, and live fully while it lasts.
What do you wish you stopped doing a long time ago?
I would have stopped thinking too much and worrying too much. Everything always turns out perfect in the end.
After A shitty day/month/year, How do you keep going?
Meditation. Hug a tree. A good cry. Snuggle with my hubby on our bed, while hugging Tapioca - the stuffed polar bear we adopted in IKEA.
who/What changed your direction forever?
My Brazilian soulmate - now my husband. :)
Hardest part about being a trailblazer / first generation?
The feeling of loneliness and isolation
Sacrifice made to get here? Sacrifice NOT willing to make?
I have sacrificed a normal safe stable life. (So I guess no sacrifice at all?) I will NEVER compromise my relationship with my husband, my well-being, and my heart.
Growing up, money was _____. Now, money is _____.
Bad / Love
What is your business about?
I help women connect to their true self, and reach their full potential in all aspects of their life.
What stage is your business at?
Full-time expert
Where do you get support? Or do you do it all yourself?
Coach, online mastermind groups, my hubby :)
What should you do less / more of, but don't?
I should spend less time thinking what I should do, reading books, attending courses. I should just do it.
Your advice for new / growing / peaked entrepreneurs?
Slow down. Everything meaningful takes time. Embrace failures, they are great teachers.
biggest leap of faith you've ever taken in your business?
Move it online.
Connect with Her


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Free PlantFusion Keto Shake
Get a free PlantFusion Keto Shake Sample! They put SEVEN different healthy fats together with FIVE different plant proteins. Whether you are a committed ketogenic dieter or just someone who wants to move away from sugar and carbohydrates, it's possible to lose weight and be healthy at the same time with proper nutritional balance. To get a free PlantFusion Keto Shake Sample click "Yes, I want to try complete plant Keto 1:1 Fats + Protein" button and fill out the form. These samples are being produced now and will be ready to ship on or about July 10th, 2019


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LISTEN: Letterman On The Closing Of Broadripple HS
What does David Letterman think of the closing of Broadripple HS? That is where he attended school here in Indy and we learned last night that they along with John Marshall middle school would be closing after this school year. Listen to Jake Query's awesome interview that was recorded at the last Indy Car Race on Sunday.


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- Cheapest Data Subscription for Android, IOS, PC users for January 2020
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- Jeff Bezos is a Thief – Wikipedia's new Description of World's Richest Man
Latest Updates
Wealth Creation
"Empty pockets never held anyone back. Only empty heads and empty hearts can do that."
Norman Vincent Peale


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Payday Loan Help Now -Un-Hotel-Particulier-En-Ardeche.Com
Paying off payday loans debt consolidation -Payday Loan Consolidations
Payday Loan Help Now -Un-Hotel-Particulier-En-Ardeche.Com
Paying off payday loans debt consolidation -Payday Loan Consolidations
Are you interested in a 71000 Euro loan? Then, most likely, a question is burning under your nails: how expensive is the loan? The following lines should help you to find a satisfactory answer. We also give you tips in this article, which runtime is best.
The best possible annual percentage rate for a € 71000 loan is 2.59 percent. He comes from Puribank. However, it is only granted to you if your credit repayment ability (credit rating) is strong. If your credit rating is weak, the interest rate can go up to 8.59 percent.
However, you can only get the best possible interest rate up to a maturity of 84 months (7 years). For maturities from 96 to 120 months, the best possible effective interest rate is 3.99 percent.
He comes from Credither. With weaker loan repayment ability, however, he can climb up to 10.99 percent. For maturities of 132 months (11 years) and 144 months (12 years), the interest rate increases again. For 11 years it is 5.95 percent. He comes from the Bank. For 12 years, this financial house also offers the best effective interest rate.
He is now at 6.95 percent.
For short maturities, you have to expect high rates for your € 71,000 loan. For example, for twelve months you pay at best 5999.02 euros. For 2 years (24 months) the best rate is 3037.86 euros. If you have four-digit amounts too high, you must extend the term greatly.
For 84 months (7 years) you will receive three-digit installments for the first time. In the best case, you have to pay now 924.16 euros. But beware: if the interest rates are higher than 5 percent effective, the amounts are still four-digit. For long terms, you have to compare exactly. For 132 months (11 years) you pay at best 728.61 euros per month.
For 12 years, the rate is 720.27 euros. If you opt for 120 months (10 years), you pay at best 716.11 euros.
Your monthly installment for the loan is 71000 euros cheaper than for 11 or 12 years – although the term is shorter. With a strong credit rating, 10-year maturity makes the most sense – if it depends on the installment amount.
You should not take the 71000 euro credit alone. A second person or a guarantor help a lot with the credit rating. This will ensure that you receive the best possible interest rate. Often you can also take the loan earmarked. For example, for real estate. You should do this. So the conditions for the 71000 euro loan are better overall.
For example, the interest rate corridors are not that far anymore.


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Dissertation defOrlando July 25, 2017
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About the Product
About this Artist
Shipping and Returns
- Final Dimensions (width x height): 16" x 19.5"
This giclée print delivers a vivid image with maximum color accuracy and exceptional resolution. The standard for museums and galleries around the world, giclée is a printing process where millions of ink droplets are "sprayed" onto high-quality paper. With the great degree of detail and smooth transitions of color gradients, giclée prints appear much more realistic than other reproduction prints. The high-quality paper (235 gsm) is acid free with a smooth surface.
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- ITV Report
Golden future for Golden Hind?
A rare replica of Sir Francis Drake's historic Golden Hind ship has finally been sold to a local businessman.
The full-size replica of the famous 16th-century galleon is one of only two in the world. It was built in 1988 to replace a ship used in the 1960s TV series, Sir Francis Drake, which sank in rough seas.
It is now a major tourist attraction and educational centre in Brixham Harbour that draws many thousands of visitors every year. But the ship was put on the market by its owner Neil Worrell, after the death of his wife and business partner, Jackie Robinson in January 2017. He made it a condition of sale that the Golden Hind remains on display at Brixham.
After failing to sell at its original price of £400,000, it then went up for auction in April 2018 at a guide price of £200,000 which it failed to meet.
Sean Twomey, the owner of Torquay International Backpackers, wasn't able to get financial backing in time for the auction, but has come up with the money and will, as promised, keep the popular galleon at the Devon port.


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CBD: The Next Cure-All—and the Next Frontier for False Advertising Litigation?
Cannabidiol—better known as "CBD," a cannabis-derived compound—is one of the latest crazes in the consumer packaged goods industry. CBD sales are expected to top $5 billion in 2019—a 700% increase from 2018—and reach $24 billion in sales by 2023. Manufacturers have flooded the market with CBD-infused food, dietary supplements, cosmetics, pet food, and other animal health products. CBD is being touted as a miracle chemical compound capable of treating a host of diseases and ailments in both humans and animals, such as anxiety, depression, joint issues, digestive issues, chronic pain, ADHD, Alzheimer's disease, cancer, and heart disease. CBD products are largely unregulated, but the days of unfettered marketing may be coming to an end: The FDA has recently taken a keen interest in CBD products, and a slew of consumer protection actions may not be far behind.


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With the announcement of the latest interest rate cut for the consecutive third time of the year 2019, US equity market indexes have all welcomed the decision. And two of them, Nasdaq and S&P 500 have charted new historical heights firmly into new territories (Chart A).
US Economic Updates
According to news analysis, the third quarter corporate earning of the US are various. Some said corporate reports are above expectation, some said mixed. The Fed went on to cut rate preemptively due to the fear of the ongoing trade war which could possibly causing US economy to slow down. Therefore, the market new historical heights created so far could be possibly artificially caused by the rate cut. With this round of cut, Fed interest rate left with around 1.5-1.75%% currently.
No one would know for how long this rate would stay, though the Fed chairman said he would like to maintain it for the time being. Looking forward in the long term, there would not be much more ammunition left shall the economy indicate a real slow down in the near future. This could pose a great danger for the next market downturn that everyone should know.
But nevertheless, we can conclude currently that there isn't an immediate economy recession for the US economy for the time being. But the upside room for the US market indexes is also limited as well. If you have taken advantage to exit market, there should not be too much of a worry.
Gold Direction Update
For the gold index, it has taken advantage of the drop of USD in response to the rate cut. Gold has broken through its upper resistance down trending line (Chart B). Congratulation to those newcomers who have just joined in or those who have taken advice to top up on Gold fund.
In the near future, whether Gold index can travel further up above or sideway on currently level has to depend solely on whether the USD drops below its current level (sideway movement inside channel B) or remains in its current channel by travelling sideway (Chart C). This development will become clearer by next week.
Malaysia Market Critical Forecast
While back home in Malaysia market index, it is now facing a life or dead critical moment. Next week or so will be the judgment days. If it can shoot above its current resistance level at 1,600 and stay above firmly, it will have the possibility to reverse its bearish mode and travel north. Otherwise, it will drop back down and continue its bearish trending direction (Chart D).
If that is the case, good for those who have taken advantage to exit market. Look likely, the upside possibility is less likely due to the weak China economic data. China is the greatest trading partner for Malaysia. Second reason is also, Malaysia market has nothing attractive to draw investment, and thirdly, worst still, its Prime Minister has incurred some foreign controversies unnecessarily recently.
And fourth but not the least, there is uncertainty for Malaysia market future. Investors would not know whether there will be a change in the Prime Minister by next year. A change of leadership means a change of economic direction. Market does not like uncertainty. Whenever there is uncertainty, market index will drop bearishly.
All the above observations will have their verdicts by next week. So, hold on to your seatbelt and watch, folks, there will never be a lack of market excitement!
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The view and opinion expressed are personal views of the author and are subject to change based on market and other conditions. This write up does not constitute sole advice for investment decision. Investors are advised to do further reading and research to conclude individual decision.