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From Table to Able: Combating Disabling Diseases With Food
 
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This is Dr. Greger's 2014 live presentation. Subscribe to Dr. Greger’s free nutrition newsletter at http://www.nutritionfacts.org/subscribe. Every year I scour the world’s scholarly literature on clinical nutrition, pulling together what I find to be the most interesting, practical, and groundbreaking science on how to best feed ourselves and our families. I start with the 12,000 or so papers published annually on human nutrition and, thanks to a crack team of volunteers (and now staff!), I'm able to whittle those down to about 3,000 studies, which are downloaded, categorized, read, analyzed, and churned into a few hundred short videos. This allows me to post new videos and articles every day, year-round, to NutritionFacts.org. This certainly makes the site unique. There’s no other science-based source for free daily updates on the latest discoveries in nutrition. The problem is that the amount of information can be overwhelming. Currently I have videos covering 1,814 nutrition topics (http://nutritionfacts.org/topics/). Where do you even begin? Many have expressed their appreciation for the breadth of material, but asked that I try to distill it into a coherent summary of how best to use diet to prevent and treat chronic disease. I took this feedback to heart and in 2012 developed Uprooting the Leading Causes of Death (http://nutritionfacts.org/video/uprooting-the-leading-causes-of-death/), which explored the role diet may play in preventing, arresting, and even reversing our top 15 killers. Not only did it rise to become one of the Top 10 Most Popular Videos of 2012 (http://nutritionfacts.org/2012/12/29/top-10-most-popular-videos-of-the-year/), it remains my single most viewed video to date, watched over a million times (NutritionFacts.org is now up to more than a million hits a month!). In 2013 I developed the sequel, More Than an Apple a Day: Combating Common Diseases (http://nutritionfacts.org/video/more-than-an-apple-a-day-preventing-our-most-common-diseases/), in which I explored the role diet could play in treating some of our most common conditions. I've been presenting it around the country (http://www.DrGreger.org/dates.html) over the past year and it ended up #1 on our Top 10 Most Popular Videos of 2013 (http://nutritionfacts.org/2014/01/09/top-10-most-popular-videos-of-2013/). Now I'm honored to bring you the third of the trilogy, From Table to Able: Combating Disabling Diseases with Food, in which I explore the role of diet in correcting some of our leading causes of disability. To more easily navigate through the menu of diseases, it is also available on DVD through my website (http://www.drgreger.org/dvds) or Amazon (http://smile.amazon.com/s/ref=smi_www_rcolv2_go_smi?ie=UTF8&camp=1789&creative=390957&linkCode=ur2&me=A1QZTUS5K8MU75&tag=httpwwwdrgreg-20). If you want to share copies with others, I have a five for $40 special (enter coupon code 5FOR40TTA). All proceeds from the sales of all my books, DVDs, and presentations go to the 501c3 nonprofit charity that keeps NutritionFacts.org free for all, for all time. If you want to support this initiative to educate millions about eradicating dietary diseases, please consider making a donation (https://nutritionfacts.org/donate/). After you’ve watched the new presentation, make sure you’re subscribed to get my video updates daily, weekly, or monthly to stay on top of all the latest (http://nutritionfacts.us5.list-manage.com/subscribe?u=c1bae6687e1e6ab175fb56913&id=40f9e497d1). For now, though, air-pop some popcorn, sit back, and enjoy! http://www.NutritionFacts.org • Facebook: http://www.facebook.com/NutritionFacts.org • Twitter: http://www.twitter.com/nutrition_facts • Podcast: http://nutritionfacts.org/audio/ • Subscribe: http://http://nutritionfacts.org/subscribe/ • Donate: http://www.NutritionFacts.org/donate
Просмотров: 212329 NutritionFacts.org
Антон Рублевский: бизнес на миллион долларов в Индии  | ПРОДУКТИВНЫЙ РОМАН #32
 
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Конкурс: оставляй свои комментарии до 13.02.2018 под этим видео и выиграй 100$ на аккаунт в сервисе Contentmart. Победителя выберем случайно. Больше на https://roman.ua/podcast/produktivnyj-roman-32/ Антон Рублевский поделился опытом основания и развития миллионного бизнеса Autoportal.com (портал для автомобилистов) в Индии: как выбирали страну, что делает офис-бой и почему индусы плохо работают, куда делось 80% налички, какие трудности были при создании контента и несколько кейсов роста и провальных идей. Смотри, перенимай опыт серийного предпринимателя и не забывай ставить лайки и комментировать. О чем говорили в выпуске: 00:02:00 Какие проекты сейчас ведешь? 00:03:44 Почему выбрали Индию для бизнеса? 00:06:20 Индия больше не дешёвая 00:09:10 Как индусы относятся к работе 00:13:20 Сколько богатых людей в Индии? 00:17:44 Особенности авторынка Индии 00:19:30 Почему покупают только у дилеров? 00:22:20 Централизованная система страховки 00:23:30 Есть ли уже доход и какой? Стал ли бизнес уже успешным? 00:27:45 Консолидация рынка 00:33:08 Наличный кризис в Индии 00:36:00 Как переводите сделки в онлайн? 00:43:31 Структура компании 00:44:45 Взлёты и падения 00:51:57 Особенности авторынка Индии 00:56:44 Как развивали контент? 01:07:44 Какие варианты монетизации используете? 01:12:03 Как работаете с дилерами в LMS? 01:14:45 Особенности IP-телефонии в Индии 01:24:55 Какие у тебя есть хобби? === Продуктивный Роман — бизнес блог о компаниях, которые делают продукты в интернете, сервисы и приложения. Подкаст ведёт Роман Рыбальченко, основатель агентства Roman.ua, эксперт в веб-аналитике и интернет-маркетинге. === Подписывайся на мой канал и нажми колокольчик: https://www.youtube.com/c/Romanua?sub_confirmation=1 Хочешь поднять конверсию? Подпишись на рассылку и получи 7 бесплатных уроков, как поднять конверсию — https://roman.ua/subscribe/ ✓ Сайт — https://roman.ua/ ✓ Facebook — https://www.facebook.com/ProductiveRoman/ ✓ Telegram — https://t.me/marketing_roman #ПродуктивныйРоман #РоманРыбальченко
- Startups - Sarah Lacy, Founder, Editor-in-Chief, and CEO of PandoMedia -TWiST #329
 
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Never miss an episode! Subscribe in iTunes: Audio (http://bit.ly/TwiStA) || Video (http://bit.ly/TwiStV) ShareFile by Citrix: Secure file transfer, built for business. Visit http://ShareFile.com, click the microphone and enter the code TWIST to get a FULL 30 day FREE trial. Get up to 2,000 subscribers and send up to 12,000 emails per month for free with MailChimp. There's no contract, no trial, and the free plan is always free -- visit http://www.mailchimp.com. On this very candid episode of TWiST @jason sits down with Sarah Lacy, Founder of PandoMedia. They chat about Sarah's roots in media, what it's like to be a women in tech and how she scored Adam Penenberg for PandoDaily. Stay tuned! ========================== 0:30 Stick with us on this episode with PandoDaily Founder and CEO Sarah Lacy 1:20 Thanks to MailChimp for both sponsoring the program and for creating such a great product. 4:50 So how brutal is it being a founder? 5:50 When did you first start as a journalist? 8:30 How do you think this generation of reporters compares to the last ones? 9:20 What do you think about Kevin Rose? 11:20 Paul Carr says I don't play to my strengths? 13:10 What do you love so much about being an entrepreneur? 14:25 How did you wind up at TechCrunch? 17:45 What did that person spit on Mike? 20:25 So how did you get your funding for PandoDaily? 21:35 How many individual investors did you have? 25:45 Thanks to our friend's at ShareFile for sponsoring the program. Use the code TWiST for a free 30 Day Trial 28:00 Tell us the story about Paul Carr in London? 31:50 Where's your business at today? 32:30 Why was it hard finding writers in the valley? 34:05 Do people think you get too close to the source? 37:00 Do you think the Zuck interview had something to do with being a female? 38:40 You have been offered to be a VC, you said no, why? 39:40 Is the human capital part of the business the hardest? 43:30 Are people allowed to post without you or an editor reading it? 44:15 How did you get Adam Penenberg? 46:50 What happened with you and CrunchFund? 50:00 How do you think Arrington will be as an investor? 55:20 Go to Pando/Daily.com/events, and just check out the lineup. 60:20 So which firm actually offered you the VC job? 61:30 What do you think about all of the attention Marissa has gotten for her pregnancy? 63:40 Is there a gatekeeper problem? Follow On Twitter Jason: @jason Sarah: @sarahcuda MailChimp: @mailchimp ShareFile: @sharefile Special thanks to the members of the TWiST Backchannel Program!
Просмотров: 10133 This Week In Startups
Wealth and Power in America: Social Class, Income Distribution, Finance and the American Dream
 
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Wealth in the United States is commonly measured in terms of net worth, which is the sum of all assets, including home equity, minus all liabilities. More on the topic: https://www.amazon.com/gp/search?ie=UTF8&tag=tra0c7-20&linkCode=ur2&linkId=ff2efe1946d5c4d43e435783f57e86dc&camp=1789&creative=9325&index=books&keywords=wealth%20america For example, a household in possession of an $800,000 house, $5,000 in mutual funds, $30,000 in cars, $20,000 worth of stock in their own company, and a $45,000 IRA would have assets totaling $900,000. Assuming that this household would have a $250,000 mortgage, $40,000 in car loans, and $10,000 in credit card debt, its debts would total $300,000. Subtracting the debts from the worth of this household's assets (900,000 - $300,000 = $600,000), this household would have a net worth of $600,000. Net worth can vary with fluctuations in value of the underlying assets. The wealth—more specifically, the median net worth—of households in the United States is varied with relation to race, education, geographic location and gender. As one would expect, households with greater income feature the highest net worths, though high income cannot be taken as an always accurate indicator of net worth. Overall the number of wealthier households is on the rise, with baby boomers hitting the highs of their careers. In addition, wealth is unevenly distributed, with the wealthiest 25% of US households owning 87% of the wealth in the United States, which was $54.2 trillion in 2009. When observing the changes in the wealth among American households, one can note an increase in wealthier individuals and a decrease in the number of poor households, while net worth increased most substantially in semi-wealthy and wealthy households. Overall the percentage of households with a negative net worth (more debt than assets) declined from 9.5% in 1989 to 4.1% in 2001. The percentage of net worths ranging from $500,000 to one million doubled while the percentage of millionaires tripled. From 1995 to 2004, there was tremendous growth among household wealth, as it nearly doubled from $21.9 trillion to $43.6 trillion, but the wealthiest quartile of the economic distribution made up 89% of this growth. During this time frame, wealth became increasingly unequal, and the wealthiest 25% became even wealthier. According to US Census Bureau statistics this "Upward shift" is most likely the result of a booming housing market which caused homeowners to experience tremendous increases in home equity. Life-cycles have also attributed to the rising wealth among Americans. With more and more baby-boomers reaching the climax of their careers and the middle aged population making up a larger segment of the population now than ever before, more and more households have achieved comfortable levels of wealth. Zhu Xiao Di (2004) notes that household wealth usually peaks around families headed by people in their 50s, and as a result, the baby boomer generation reached this age range at the time of the analysis. http://en.wikipedia.org/wiki/Wealth_in_the_United_States
Просмотров: 212658 The Film Archives
The Great Gildersleeve: Gildy's New Car / Leroy Has the Flu / Gildy Needs a Hobby
 
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The Great Gildersleeve (1941--1957), initially written by Leonard Lewis Levinson, was one of broadcast history's earliest spin-off programs. Built around Throckmorton Philharmonic Gildersleeve, a character who had been a staple on the classic radio situation comedy Fibber McGee and Molly, first introduced on Oct. 3, 1939, ep. #216. The Great Gildersleeve enjoyed its greatest success in the 1940s. Actor Harold Peary played the character during its transition from the parent show into the spin-off and later in a quartet of feature films released at the height of the show's popularity. On Fibber McGee and Molly, Peary's Gildersleeve was a pompous windbag who became a consistent McGee nemesis. "You're a haa-aa-aa-aard man, McGee!" became a Gildersleeve catchphrase. The character was given several conflicting first names on Fibber McGee and Molly, and on one episode his middle name was revealed as Philharmonic. Gildy admits as much at the end of "Gildersleeve's Diary" on the Fibber McGee and Molly series (Oct. 22, 1940). He soon became so popular that Kraft Foods—looking primarily to promote its Parkay margarine spread — sponsored a new series with Peary's Gildersleeve as the central, slightly softened and slightly befuddled focus of a lively new family. Premiering on August 31, 1941, The Great Gildersleeve moved the title character from the McGees' Wistful Vista to Summerfield, where Gildersleeve now oversaw his late brother-in-law's estate and took on the rearing of his orphaned niece and nephew, Marjorie (originally played by Lurene Tuttle and followed by Louise Erickson and Mary Lee Robb) and Leroy Forester (Walter Tetley). The household also included a cook named Birdie. Curiously, while Gildersleeve had occasionally spoken of his (never-present) wife in some Fibber episodes, in his own series the character was a confirmed bachelor. In a striking forerunner to such later television hits as Bachelor Father and Family Affair, both of which are centered on well-to-do uncles taking in their deceased siblings' children, Gildersleeve was a bachelor raising two children while, at first, administering a girdle manufacturing company ("If you want a better corset, of course, it's a Gildersleeve") and then for the bulk of the show's run, serving as Summerfield's water commissioner, between time with the ladies and nights with the boys. The Great Gildersleeve may have been the first broadcast show to be centered on a single parent balancing child-rearing, work, and a social life, done with taste and genuine wit, often at the expense of Gildersleeve's now slightly understated pomposity. Many of the original episodes were co-written by John Whedon, father of Tom Whedon (who wrote The Golden Girls), and grandfather of Deadwood scripter Zack Whedon and Joss Whedon (creator of Buffy the Vampire Slayer, Firefly and Dr. Horrible's Sing-Along Blog). The key to the show was Peary, whose booming voice and facility with moans, groans, laughs, shudders and inflection was as close to body language and facial suggestion as a voice could get. Peary was so effective, and Gildersleeve became so familiar a character, that he was referenced and satirized periodically in other comedies and in a few cartoons. http://en.wikipedia.org/wiki/Great_Gildersleeve
Просмотров: 133793 Remember This
The Savings and Loan Banking Crisis: George Bush, the CIA, and Organized Crime
 
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The savings and loan crisis of the 1980s and 1990s (commonly dubbed the S&L crisis) was the failure of about 747 out of the 3,234 savings and loan associations in the United States. About the book: https://www.amazon.com/gp/product/1561712035/ref=as_li_tl?ie=UTF8&camp=1789&creative=9325&creativeASIN=1561712035&linkCode=as2&tag=tra0c7-20&linkId=5a4bfa3c7e7e8c1104831acd81c8fd71 A savings and loan or "thrift" is a financial institution that accepts savings deposits and makes mortgage, car and other personal loans to individual members—a cooperative venture known in the United Kingdom as a Building Society. "As of December 31, 1995, RTC estimated that the total cost for resolving the 747 failed institutions was $87.9 billion." The remainder of the bailout was paid for by charges on savings and loan accounts — which contributed to the large budget deficits of the early 1990s. The concomitant slowdown in the finance industry and the real estate market may have been a contributing cause of the 1990--91 economic recession. Between 1986 and 1991, the number of new homes constructed per year dropped from 1.8 million to 1 million, which was at the time the lowest rate since World War II. The United States Congress granted all thrifts in 1980, including savings and loan associations, the power to make consumer and commercial loans and to issue transaction accounts. Designed to help the thrift industry retain its deposit base and to improve its profitability, the Depository Institutions Deregulation and Monetary Control Act (DIDMCA) of 1980 allowed thrifts to make consumer loans up to 20 percent of their assets, issue credit cards, accept negotiable order of withdrawal (NOW) accounts from individuals and nonprofit organizations, and invest up to 20 percent of their assets in commercial real estate loans. The damage to S&L operations led Congress to act, passing the Economic Recovery Tax Act of 1981 (ERTA) in August 1981 and initiating the regulatory changes by the Federal Home Loan Bank Board allowing S&Ls to sell their mortgage loans and use the cash generated to seek better returns soon after enactment; the losses created by the sales were to be amortized over the life of the loan, and any losses could also be offset against taxes paid over the preceding 10 years. This all made S&Ls eager to sell their loans. The buyers—major Wall Street firms—were quick to take advantage of the S&Ls' lack of expertise, buying at 60%-90% of value and then transforming the loans by bundling them as, effectively, government-backed bonds (by virtue of Ginnie Mae, Freddie Mac, or Fannie Mae guarantees). S&Ls were one group buying these bonds, holding $150 billion by 1986, and being charged substantial fees for the transactions. In 1982, the Garn-St Germain Depository Institutions Act was passed and increased the proportion of assets that thrifts could hold in consumer and commercial real estate loans and allowed thrifts to invest 5 percent of their assets in commercial loans until January 1, 1984, when this percentage increased to 10 percent. A large number of S&L customers' defaults and bankruptcies ensued, and the S&Ls that had overextended themselves were forced into insolvency proceedings themselves. The Federal Savings and Loan Insurance Corporation (FSLIC), a federal government agency that insured S&L accounts in the same way the Federal Deposit Insurance Corporation insures commercial bank accounts, then had to repay all the depositors whose money was lost. From 1986 to 1989, FSLIC closed or otherwise resolved 296 institutions with total assets of $125 billion. An even more traumatic period followed, with the creation of the Resolution Trust Corporation in 1989 and that agency's resolution by mid-1995 of an additional 747 thrifts. A Federal Reserve Bank panel stated the resulting taxpayer bailout ended up being even larger than it would have been because moral hazard and adverse selection incentives that compounded the system's losses. There also were state-chartered S&Ls that failed. Some state insurance funds failed, requiring state taxpayer bailouts. http://en.wikipedia.org/wiki/Savings_and_loan_crisis
Просмотров: 169746 The Film Archives
Our Miss Brooks: First Day / Weekend at Crystal Lake / Surprise Birthday Party / Football Game
 
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Our Miss Brooks is an American situation comedy starring Eve Arden as a sardonic high school English teacher. It began as a radio show broadcast from 1948 to 1957. When the show was adapted to television (1952--56), it became one of the medium's earliest hits. In 1956, the sitcom was adapted for big screen in the film of the same name. Connie (Constance) Brooks (Eve Arden), an English teacher at fictional Madison High School. Osgood Conklin (Gale Gordon), blustery, gruff, crooked and unsympathetic Madison High principal, a near-constant pain to his faculty and students. (Conklin was played by Joseph Forte in the show's first episode; Gordon succeeded him for the rest of the series' run.) Occasionally Conklin would rig competitions at the school--such as that for prom queen--so that his daughter Harriet would win. Walter Denton (Richard Crenna, billed at the time as Dick Crenna), a Madison High student, well-intentioned and clumsy, with a nasally high, cracking voice, often driving Miss Brooks (his self-professed favorite teacher) to school in a broken-down jalopy. Miss Brooks' references to her own usually-in-the-shop car became one of the show's running gags. Philip Boynton (Jeff Chandler on radio, billed sometimes under his birth name Ira Grossel); Robert Rockwell on both radio and television), Madison High biology teacher, the shy and often clueless object of Miss Brooks' affections. Margaret Davis (Jane Morgan), Miss Brooks' absentminded landlady, whose two trademarks are a cat named Minerva, and a penchant for whipping up exotic and often inedible breakfasts. Harriet Conklin (Gloria McMillan), Madison High student and daughter of principal Conklin. A sometime love interest for Walter Denton, Harriet was honest and guileless with none of her father's malevolence and dishonesty. Stretch (Fabian) Snodgrass (Leonard Smith), dull-witted Madison High athletic star and Walter's best friend. Daisy Enright (Mary Jane Croft), Madison High English teacher, and a scheming professional and romantic rival to Miss Brooks. Jacques Monet (Gerald Mohr), a French teacher. Our Miss Brooks was a hit on radio from the outset; within eight months of its launch as a regular series, the show landed several honors, including four for Eve Arden, who won polls in four individual publications of the time. Arden had actually been the third choice to play the title role. Harry Ackerman, West Coast director of programming, wanted Shirley Booth for the part, but as he told historian Gerald Nachman many years later, he realized Booth was too focused on the underpaid downside of public school teaching at the time to have fun with the role. Lucille Ball was believed to have been the next choice, but she was already committed to My Favorite Husband and didn't audition. Chairman Bill Paley, who was friendly with Arden, persuaded her to audition for the part. With a slightly rewritten audition script--Osgood Conklin, for example, was originally written as a school board president but was now written as the incoming new Madison principal--Arden agreed to give the newly-revamped show a try. Produced by Larry Berns and written by director Al Lewis, Our Miss Brooks premiered on July 19, 1948. According to radio critic John Crosby, her lines were very "feline" in dialogue scenes with principal Conklin and would-be boyfriend Boynton, with sharp, witty comebacks. The interplay between the cast--blustery Conklin, nebbishy Denton, accommodating Harriet, absentminded Mrs. Davis, clueless Boynton, scheming Miss Enright--also received positive reviews. Arden won a radio listeners' poll by Radio Mirror magazine as the top ranking comedienne of 1948-49, receiving her award at the end of an Our Miss Brooks broadcast that March. "I'm certainly going to try in the coming months to merit the honor you've bestowed upon me, because I understand that if I win this two years in a row, I get to keep Mr. Boynton," she joked. But she was also a hit with the critics; a winter 1949 poll of newspaper and magazine radio editors taken by Motion Picture Daily named her the year's best radio comedienne. For its entire radio life, the show was sponsored by Colgate-Palmolive-Peet, promoting Palmolive soap, Lustre Creme shampoo and Toni hair care products. The radio series continued until 1957, a year after its television life ended. http://en.wikipedia.org/wiki/Our_Miss_Brooks
Просмотров: 78625 Remember This
The War on Drugs Is a Failure
 
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The War on Drugs is a campaign of prohibition and foreign military aid and military intervention being undertaken by the United States government, with the assistance of participating countries, intended to both define and reduce the illegal drug trade. More on this topic: https://www.amazon.com/gp/search?ie=UTF8&tag=tra0c7-20&linkCode=ur2&linkId=71f1ae6147ca6024fc5ff2a996752468&camp=1789&creative=9325&index=books&keywords=war%20on%20drugs This initiative includes a set of drug policies of the United States that are intended to discourage the production, distribution, and consumption of illegal psychoactive drugs. The term "War on Drugs" was first used by President Richard Nixon in 1971. On May 13, 2009, Gil Kerlikowske, the current Director of the Office of National Drug Control Policy (ONDCP), signaled that although it did not plan to significantly alter drug enforcement policy, the Obama administration would not use the term "War on Drugs," as he claims it is "counter-productive". ONDCP's view is that "drug addiction is a disease that can be successfully prevented and treated... making drugs more available will make it harder to keep our communities healthy and safe."(2011) One of the alternatives that Mr Kerlikowske has showcased is Sweden's Drug Control Policies that combine balanced public health approach and opposition to drug legalization. The prevalence rates for cocaine use in Sweden are barely one-fifth of European neighbors such as the United Kingdom and Spain. In June 2011, the Global Commission on Drug Policy released a critical report on the War on Drugs, declaring "The global war on drugs has failed, with devastating consequences for individuals and societies around the world. Fifty years after the initiation of the UN Single Convention on Narcotic Drugs, and years after President Nixon launched the US government's war on drugs, fundamental reforms in national and global drug control policies are urgently needed." The report was immediately criticized by organizations that oppose a general legalization of drugs. In 1986, the US Defense Department funded a two-year study by the RAND Corporation, which found that the use of the armed forces to interdict drugs coming into the United States would have little or no effect on cocaine traffic and might, in fact, raise the profits of cocaine cartels and manufacturers. The 175-page study, "Sealing the Borders: The Effects of Increased Military Participation in Drug Interdiction," was prepared by seven researchers, mathematicians and economists at the National Defense Research Institute, a branch of the RAND, and was released in 1988. The study noted that seven prior studies in the past nine years, including one by the Center for Naval Research and the Office of Technology Assessment, had come to similar conclusions. Interdiction efforts, using current armed forces resources, would have almost no effect on cocaine importation into the United States, the report concluded. During the early-to-mid-1990s, the Clinton administration ordered and funded a major cocaine policy study, again by RAND. The Rand Drug Policy Research Center study concluded that $3 billion should be switched from federal and local law enforcement to treatment. The report said that treatment is the cheapest way to cut drug use, stating that drug treatment is twenty-three times more effective than the supply-side "war on drugs". The National Research Council Committee on Data and Research for Policy on Illegal Drugs published its findings on the efficacy of the drug war. The NRC Committee found that existing studies on efforts to address drug usage and smuggling, from U.S. military operations to eradicate coca fields in Colombia, to domestic drug treatment centers, have all been inconclusive, if the programs have been evaluated at all: "The existing drug-use monitoring systems are strikingly inadequate to support the full range of policy decisions that the nation must make.... It is unconscionable for this country to continue to carry out a public policy of this magnitude and cost without any way of knowing whether and to what extent it is having the desired effect." The study, though not ignored by the press, was ignored by top-level policymakers, leading Committee Chair Charles Manski to conclude, as one observer notes, that "the drug war has no interest in its own results." During alcohol prohibition, the period from 1920 to 1933, alcohol use initially fell but began to increase as early as 1922. It has been extrapolated that even if prohibition had not been repealed in 1933, alcohol consumption would have quickly surpassed pre-prohibition levels. One argument against the War on Drugs is that it uses similar measures as Prohibition and is no more effective. http://en.wikipedia.org/wiki/War_on_drugs
Просмотров: 1927268 The Film Archives
Credit Card Reform After the Financial Crisis: Rio Rancho Town Hall, New Mexico
 
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The Credit Card Accountability Responsibility and Disclosure Act of 2009 or Credit CARD Act of 2009 is a federal statute passed by the United States Congress and signed by President Barack Obama on May 22, 2009. It is comprehensive credit card reform legislation that aims "...to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes." The bill was passed with bipartisan support by both the House of Representatives and the Senate. The Credit Cardholders' Bill of Rights was introduced in the 110th Congress as H.R. 5244 in the House of Representatives by Representative Carolyn Maloney, a Democrat from New York and the chair of the House Financial Services Committee's Subcommittee on Financial Institutions and Consumer Credit. The bill had passed 312 to 112 but was never given a vote in the Senate. In the 111th United States Congress the bill was reintroduced as H.R. 627 and on April 30, 2009, the House passed it, with a strong bipartisan basis, with 357 yes votes to 70 no votes. The Senate followed suit and passed an amended version on May 19 with 90 yes votes and 5 no votes. The House passed the amended bill the next day by a vote of 279 to 147 and it was signed into law by President Barack Obama on May 22, 2009. The bill went into effect on February 22, 2010, nine months after it was enacted. The Credit Cardholders' Bill of Rights includes several provisions aimed at limiting how credit card companies can charge consumers but does not include price controls, rate caps, or fee settings. Gun rights advocates in the Senate, led by Tom Coburn (R-Okla) added an unrelated rider to the bill to prevent the Secretary of the Interior from enforcing any regulation that would prohibit an individual from possessing a firearm in any unit of the National Park System or the National Wildlife Refuge System. The Senate passed the amendment 67-29. This amendment overturns a Reagan-era policy prohibiting firearms from being carried in national parks. The George W. Bush administration had attempted to implement a similar policy through the rulemaking process just before leaving office, but the change was struck down by a federal judge. The provision has been heavily criticized by environmentalists, anti-gun groups, and park supporters, including the Coalition of National Park Service Retirees, but it was applauded by gun rights groups. The act was not expected to affect existing credit card contracts. However, the act that was passed applies to contracts made in the past by setting an effective date of February 22, 2010, which gave banks time to prepare and notify their customers. While it is a common criticism that the CARD Act led banks to raise interest rates and limit credit availability in response to its passage, studies by CardHub.com and the Center for Responsible Lending revealed that such trends were merely the result of economic pressures typical of a recession and not the law. Actually, according to these studies, historical economic data shows that the interest rate increase and decline in available credit seen during the Great Recession should have been worse considering the widespread unemployment, credit card delinquency and credit card charge-offs. In a speech on the one-year anniversary of the CARD Act, Special Adviser Elizabeth Warren said that "much of the [credit card] industry has gone further than the law requires in curbing re-pricing and overlimit fees." However, she said there was still much work to be done, that the Consumer Financial Protection Bureau's "next challenges will be about further clarifying price and risks and making it easier for consumers to make direct product comparisons." In 2012, many stay-at-home mothers complained that because they have no individual income, the act prevents them from acquiring credit cards without their husbands' permission. As of September 21, 2012, the CFPB announced that they would be making the change due to a petition on Change.org. The bill was cosponsored by House Financial Services Committee chair Barney Frank and Representatives Maxine Waters, Luis Gutiérrez, Stephen Lynch, Keith Ellison, Steve Cohen, Chaka Fattah, Maurice Hinchey, Jim Langevin, Jerrold Nadler, Carol Shea-Porter, Hilda Solis, Peter Welch, Albert Wynn, Peter DeFazio, Charles Gonzalez, Gene Taylor, David Obey, Mazie Hirono, Debbie Wasserman Schultz, Nancy Boyda, John Dingell, Corrine Brown, Bennie Thompson, Alcee Hastings, Yvette Clark, Jesse Jackson, Danny Davis, Kirsten Gillibrand, Eddie Bernice Johnson, Diane Watson, Michael Arcuri, Eliot Engel, John Tierney, Chris Van Hollen, George Miller, Jim Moran, Anthony Weiner, Neil Abercrombie, and Jan Schakowsky. http://en.wikipedia.org/wiki/Credit_Card_Reform_Act_of_2009
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