text:
Q: How to find the root cause from App Store crash log after symbolicated? I have trouble when received crash log from App Store. The crash log show that EXC_CORPSE_NOTIFY crash.
After I symbolicated the crash log file, I have no idea how to further proceed my troubleshooting. I keep trying to test on my own devices but its did not encountered any crash (both are IOS 12).
As below is my crash log:-
Exception Type:  EXC_CRASH (SIGABRT)
Exception Codes: 0x0000000000000000, 0x0000000000000000
Exception Note:  EXC_CORPSE_NOTIFY
Triggered by Thread:  0

Thread 0 name:  Dispatch queue: com.apple.main-thread
Thread 0 Crashed:
0   libsystem_kernel.dylib          0x000000020055d104 __pthread_kill + 8
1   libsystem_pthread.dylib         0x00000002005d80e0 pthread_kill$VARIANT$mp + 380
2   libsystem_c.dylib               0x00000002004b4d78 abort + 140
3   libc++abi.dylib                 0x00000001ffb7cf78 __cxa_bad_cast + 0
4   libc++abi.dylib                 0x00000001ffb7d120 default_unexpected_handler+ 8480 () + 0
5   libobjc.A.dylib                 0x00000001ffb95e48 _objc_terminate+ 28232 () + 124
6   libc++abi.dylib                 0x00000001ffb890fc std::__terminate(void (*)+ 57596 ()) + 16
7   libc++abi.dylib                 0x00000001ffb88cec __cxa_rethrow + 144
8   libobjc.A.dylib                 0x00000001ffb95c10 objc_exception_rethrow + 44
9   CoreFoundation                  0x0000000200950624 CFRunLoopRunSpecific + 544
10  GraphicsServices                0x0000000202bc4584 GSEventRunModal + 100
11  UIKitCore                       0x000000022cfcb558 UIApplicationMain + 212
12  MyAPP                           0x0000000100510584 main + 1131908 (main.m:13)
13  libdyld.dylib                   0x0000000200410b94 start + 4

Edited
Last Exception Backtrace:
0   CoreFoundation                  0x2009c7ef8 __exceptionPreprocess + 228
1   libobjc.A.dylib                 0x1ffb95a40 objc_exception_throw + 55
2   CoreFoundation                  0x2008dfdcc -[NSException raise] + 11
3   Foundation                      0x2013d3e54 -[NSObject+ 622164 (NSKeyValueCoding) valueForUndefinedKey:] + 247
4   Foundation                      0x201347650 -[NSObject+ 46672 (NSKeyValueCoding) valueForKey:] + 267
5   Jasiez                          0x1004114f8 -[Map_ViewController viewDidLoad] + 87288 (Map_ViewController.m:303)
6   UIKitCore                       0x22d68de4c -[UIViewController loadViewIfRequired] + 999
7   UIKitCore                       0x22d28f750 -[UINavigationController _updateScrollViewFromViewController:toViewController:] + 75
8   UIKitCore                       0x22d28fa58 -[UINavigationController _startTransition:fromViewController:toViewController:] + 171
9   UIKitCore                       0x22d2909e8 -[UINavigationController _startDeferredTransitionIfNeeded:] + 1183
10  UIKitCore                       0x22d291ce8 -[UINavigationController __viewWillLayoutSubviews] + 163
11  UIKitCore                       0x22d223e30 -[UILayoutContainerView layoutSubviews] + 223
12  UIKitCore                       0x22d679998 -[UIView+ 10570136 (CALayerDelegate) layoutSublayersOfLayer:] + 1379
13  QuartzCore                      0x204fa9a34 -[CALayer layoutSublayers] + 183
14  QuartzCore                      0x204fae9c4 CA::Layer::layout_if_needed+ 1317316 (CA::Transaction*) + 323
15  QuartzCore                      0x204f0d9d4 CA::Context::commit_transaction+ 657876 (CA::Transaction*) + 339
16  QuartzCore                      0x204f3c2f4 CA::Transaction::commit+ 848628 () + 607
17  UIKitCore                       0x22cfe5cfc __34-[UIApplication _firstCommitBlock]_block_invoke_2 + 139
18  CoreFoundation                  0x200956408 __CFRUNLOOP_IS_CALLING_OUT_TO_A_BLOCK__ + 19
19  CoreFoundation                  0x200955d08 __CFRunLoopDoBlocks + 271
20  CoreFoundation                  0x200950cfc __CFRunLoopRun + 1059
21  CoreFoundation                  0x2009505b8 CFRunLoopRunSpecific + 435
22  GraphicsServices                0x202bc4584 GSEventRunModal + 99
23  UIKitCore                       0x22cfcb558 UIApplicationMain + 211
24  Jasiez                          0x100510584 main + 1131908 (main.m:13)
25  libdyld.dylib                   0x200410b94 start + 3

Please help, appreciated!

A: You might want to read this Tech Note
The stack trace in the crash log can give you a clue on what your app was doing before it happened.
In your case :
Last Exception Backtrace:
0   CoreFoundation                  0x2009c7ef8 __exceptionPreprocess + 228
1   libobjc.A.dylib                 0x1ffb95a40 objc_exception_throw + 55
2   CoreFoundation                  0x2008dfdcc -[NSException raise] + 11
3   Foundation                      0x2013d3e54 -[NSObject+ 622164 (NSKeyValueCoding) valueForUndefinedKey:] + 247
4   Foundation                      0x201347650 -[NSObject+ 46672 (NSKeyValueCoding) valueForKey:] + 267
5   Jasiez                          0x1004114f8 -[Map_ViewController viewDidLoad] + 87288 (Map_ViewController.m:303)

It look like your calling an unknown property in your [Map_ViewController viewDidLoad] method. As Apple Documentation states

Invoked by valueForKey: when it finds no property corresponding to a
  given key.

Those makes me think of problem with an Outlet connection but I can be sure without more context.

redpajama_set_name: RedPajamaStackExchange


text:
Rangiaowhia (or Rangiawhia, or Rangiaohia) was, for over 20 years, a thriving village on a ridge between two streams in the Waikato region, about  east of Te Awamutu. From 1841 it was the site of a very productive Māori mission station until the Invasion of the Waikato in 1864. The station served Ngati Hinetu and Ngati Apakura. Only a church remains from those days, the second oldest Waikato building.

At dawn on the 21st of February 1864, Rangiaowhia was the site of one of the most horrific war crimes ever perpetrated by the Crown against Māori in New Zealand's history.

History
In 1851 Rangiaowhia was described as, "About a thousand acres— soon greatly to be added to . . . under cultivation. . . A very numerous population of natives engaged in industry and agriculture. . . in a few years will be the granary of Auckland. . . The whole scene reminds one of English farms. Yellow cornfields bound the horizon ; orchards cluster round the houses. The mill, the flail, the plough, the spade, are seldom idle. . . the village bell calls to church or school. cultivating and rendering fruitful the wild wastes of their district,— accumulating guarantees for the continuance of peace, — in all ways setting an example to their countrymen . . . I sincerely trust that many Rangiaowhias,— such remarkable instances of the progress of the Maori race,— may soon be found throughout New Zealand."

In 1852 the village was described as two miles long and with a population of about 700.

An 1857 letter suggests that the area was divided between 14 hapū, who had converted their 'waste' lands to agriculture.

Immediately prior to invasion in 1864, magistrate, John Eldon Gorst, wrote, "The land around Rangiaowhia and Te Awamutu, extending to and including part of Kihikihi, belongs to natives of the great Waikato tribe. . . Besides the great villages of Rangiaowhia, Kihikihi, and Kuakotari, numerous little hamlets are dotted about the country, consisting of three or four native houses surrounded by their patches of cultivated land. Even those parts of the country which appear to be only a barren waste of heavy fern land would be found, on enquiry, to have been once under cultivation, and to be now used as a pasturage for horses, cattle, or pigs . . . Rangiaowhia, for instance, is surrounded by a fence many miles in circuit; roads are made in various directions ; bridges have been thrown over impassible swamps; and a good many mill-dams have been constructed. A considerable part of the land was covered, a generation ago, with ancient forest, which the industry of the Waikatos has cleared."

Churches

St Paul's Church was built in Gothic Revival style in 1852–1856 as part of the Church Missionary Society station, replacing a raupo chapel. It and the slightly earlier St John's, Te Awamutu are the oldest surviving Waikato buildings. It initially consisted of a bell tower, nave and chancel. The chancel has 2 stained glass windows, depicting St Paul's encounter with a magician. They were brought from Britain by Bishop Selwyn in 1855 and thought to have been donated by Lady Burdett Coutts. Missionary teacher, Taati Te Waru, added a steeple around 1857. The church sheltered Māori during the Imperial forces attack and was then empty until repaired in the 1870s as a parish church and school. It continues to be used for services.

The Catholic Holy Angels mission station was about 400 metres north of St Paul's. Father Jean Pezant relocated it there from Matamata in 1844. In 1850 he was succeeded by Father Joseph Garavel. Part of the mission station burnt down in an accidental fire in 1865. The church was demolished in 1931. The cemetery remains, with a memorial pou erected in 2015. The bishop's house was across the valley, to the east.

School
Both Anglican and Catholic missions had schools. Rev. John Morgan ran an Anglican school with over 40 pupils, charging £5 a year for board and tuition in English, singing, industry and religion. In May 1860 Father Garaval had 24 boys in the school when he left due to the war. In 1876 the school had only one girl attending.

Crops
Shortly after Rev Morgan took over Otawhao (Te Awamutu) mission station in 1841, wheat was grown there and, next year, also at Rangiaowhia. Soon Rangiaowhia wheat fields covered some . Other crops were barley, oats, potatoes, peach, apple, pear, plum, quince, gooseberry and almond. Cows were also milked and pigs sold in Auckland. A blacksmith maintained the ploughs and other implements.

Mills
In March 1846 a £200 contract (excluding carriage of timber and building the dam and leat) with Stewart McMullen to erect a mill was started. The mill started grinding in 1847. Its  scoria millstone came from Mt Eden. By 1848 Rangiaowhia flour was sold in Auckland for about £70 and, in later years, reached about £330. The 1846 mill was at Pekapekarau (or Perepekerau on another 1865 map), in the valley to the west, between Hairini and Rangiaowhia. A replacement mill was built between 1851 and 1855 for £400 on Te Rua-o-Tawhiwhi stream, to the east of Rangiaowhia. Both streams feed the Mangapiko Stream, one of the Waipā's tributaries. There were also mills at most of the surrounding settlements.

Governor Grey visited the mill in 1849 and was presented with 2 bags of flour for Queen Victoria. He also spent half a day at Rangiaowhia in 1857, In the gold rushes of 1849–52, Rangiaowhia flour was often shipped to San Francisco and Melbourne.

Invasion

Pōtatau was installed as King at Rangiaowhia in 1858, after which it became a target for government control. To guard against this the roads to Rangiaowhia were defended by a new chain of defensive pā at Paterangi, and at Rangiatea (near Te Rahu, north of Te Awamutu). However, General Cameron, in his Invasion of the Waikato, avoided them by taking 1,230 troops overnight from Te Rore via Waiari, leaving a large masking force in front of Paterangi and arriving in Te Awamutu at dawn.

Bishop George Selwyn, as garrison chaplain, had been told nine days prior that women, children and elderly would be taking refuge at unfortified and undefended Rangiaowhai, and had been asked to communicate that with Cameron. Kingitanga leaders understood they would be unharmed. There were about 200 Ngati-Apakura and Ngati-Hinetu people at Rangiaowhia, supplying food to the garrisons at the pā.

At dawn on 21 February 1864, armed cavalry, followed by foot troops attacked Rangiaowhia. Most terrified villagers fled, a few shot at the troops, some sheltered in the churches, at least seven were burnt to death in their houses and at least one attempted to surrender, but was murdered by troops ignoring their orders. Women were raped and killed in front of children. About a dozen houses were burned down. Official British records state 12 Māori were killed, including two chiefs, and over 30 taken prisoner. Their own losses totaled five, including several officers. Some unofficial estimates suggest there were more than 100 Māori deaths. As the village was largely occupied by women, children and older men, the deaths have been regarded as murder, rather than an act of war.

Later that day, the men of Rangiaowhia abandoned Paterangi, Pikopiko, and Rangiatea pā to defend their families, digging a rifle-trench with a narrow opening to block the road from Te Awamutu on the crest of the ridge at Hairini. Next morning, the 22nd, the cavalry advanced on Hairini, backed by artillery and foot soldiers. Three British and about 20 Māori died, though those numbers are also disputed. The troops then looted the village, though it has been suggested that the Hairini defence was a diversionary tactic, to allow more time to move more goods and animals south to safety. However, enough was left for looting to continue for at least a month after the invasion.

The role of Bishop Selwyn in the Rangiaowhia attack is unclear. He came with the invading forces, but also helped with Māori burials. The wife and two daughters of Kereopa Te Rau were killed in the attack, and his sister was killed in defence of the Hairini line a few days later. Colonel Marmaduke Nixon, who had led the Rangiaowhia cavalry charge, was mortally wounded. His remains are buried at the Nixon memorial in Ōtāhuhu, Auckland. There were no memorials to the victims of Rangiaowhia until the 150th anniversary was commemorated in 2014 with the unveiling of a plaque.

In 2021 a documentary about the Rangiaowhia attack called NZ Wars: Stories of Tainui was released by Great Southern Television and Aotearoa Media Collective for RNZ. It is presented by Mihingarangi Forbes, and contains interviews with historian Vincent O'Malley, and iwi historians Rahui Papa, Brad Totorewa, Tom Roa, Mamae Takerei and Kawhia Muraahi.

Redoubt
A 200-man redoubt was built later in February, in what is now the Hall domain, formerly a school. In the 1870s a blockhouse was added, manned by the Armed Constabulary.

Post 1864
Within a month of the invasion, the William Fox government issued a proclamation that rebels who surrendered would get some of their land back, but those who didn't would have their land confiscated. By 1868 there was concern at the resentment the takeover by military settlers was causing. The church was restored in 1875. Rangiaowhia riding was formed as one of 5 ridings in Waipa county in 1876, with Puniu River as its southern boundary. A state school near the hall ran from 1874 to 1939, when several schools were amalgamated into an expanded Te Awamutu school. The school house of about 1900 remains, as does the hall, built on the domain in 1907.

Demographics
Rangiaowhia is in Meshblock 0987100, which had 102 people at the 2013 census, 90 in 2006 and 93 in 2001.

Prominent people
Lloyd Mandeno (1888–1973), engineer and inventor

References

External links
 1:50,000 map
 Google street scene
 Catholic mission station plaque and  waiata tangi
 1864 map showing battle positions
 1881 agricultural statistics

Waipa District
Former populated places in New Zealand
Heritage New Zealand Category 1 historic places in Waikato
Populated places in Waikato

redpajama_set_name: RedPajamaWikipedia


A strong first day's trade lifted the value of 320m unclaimed shares in banking and insurance giant Old Mutual by £56m.
The shares, 9.8% of the total issued in the float of the South African group, remain unallotted because entitled policyholders have either not responded, not been traced or not completed the paperwork.
The unclaimed stock, worth £440m, will be held for five years. The problem is common in large demutualisations. Around 8% of the Halifax was unclaimed when it floated in June 1997 but that figure has now fallen to only 3%.
In London 246m OM shares were traded as institutions topped up. They closed at 137 1/2p, a 14% premium. Now valued at £4.5bn, the group is almost certainly bound for inclusion in the Footsie 100 in September - alongside compatriots Billiton, South African Breweries and Anglo American.
In Johannesburg, the shares climbed 11.5% and lifted volumes to a record local level.


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text:
Steven Galbraith & Amelia Hugill Fontanel on the Cary Collection
The Cary Collection is one of America's premier libraries on graphic communication, its history and practices. Located in Rochester on the campus of the Rochester Institute of Technology, the original collection of 2,300 volumes was assembled by New York City businessman Melbert B. Cary, Jr. during the 1920s and 1930s. Cary was director of the Continental Type Founders Association (a type-importing agency), a former president of the American Institute of Graphic Arts (AIGA), and proprietor of the private Press of the Woolly Whale. His professional and personal interests in printing led him to collect printer's manuals and type specimens, as well as great books on the printer's art.
In 1969 his collection, together with funds to support its use and growth, was presented to RIT. Today the library houses some 40,000 volumes and a growing number of manuscript and correspondence collections.
While its original strengths continue to be an important focus, other aspects of graphic arts history have also been developed. For example, the Cary is committed to building comprehensive primary and secondary resources on the development of the alphabet and writing systems, early book formats and manuscripts, calligraphy, the development of typefaces and their manufacturing technologies, the history and practice of papermaking, typography and book design, printing and illustration processes, bookbinding, posters, and artists' books.
Though many of the volumes in the library are rare, the Cary has maintained, from the beginning, a policy of liberal access for students , especially those enrolled in the RIT's College of Imaging Arts and Sciences, and interested literary tourists.
The Cary Collection also manages some 36 Graphic Design archives documenting the work of important 20th-century Modernist graphic designers, and has been aggressively acquiring examples of avant-garde book typography. This great library is a must visit destination for all those who love books and the processes involved in making them.

redpajama_set_name: RedPajamaCommonCrawl


text:
France frees Saudi man mistakenly held over Khashoggi killing
Detained man had been visiting Paris with a friend and held a valid visa for France
Thu, Dec 9, 2021, 10:05 Updated: Thu, Dec 9, 2021, 10:09
Saudi journalist Jamal Khashoggi was murdered after entering the Saudi consulate in Istanbul on October 2nd, 2018. Photograph: Mohammed al-Shaikh/AFP via Getty Images
France has released a Saudi national arrested at a Paris airport over suspected links to the killing of journalist Jamal Khashoggi after officials concluded it was a case of mistaken identity.
French law enforcement sources had identified the man in detention as Khaled Aedh Al-Otaibi, the same name as a former member of the Saudi Royal Guard listed in US and British sanctions documents and a UN-commissioned report as having been involved in Khashoggi's killing in Turkey.
The Saudi Embassy in Paris had said late on Tuesday the arrested person "has nothing to do with the case in question".
Prosecutors said checks had shown that an arrest warrant issued by Turkey did not apply to the man. Earlier, a police source said he had been detained when a scan of his passport triggered an alert.
"Extensive checks on the identity of this person showed that the warrant did not apply to him ... he was released," the statement from the prosecutor's office said.
Suspect in killing of Saudi journalist Jamal Khashoggi arrested in Paris
Lewis Hamilton: Saudi Arabia's LGBTQ+ laws are pretty 'terrifying'
Newcastle fans, how do you feel about torture and murder?
The Saudi national had been visiting Paris with a friend and held a valid visa for France, a source familiar with the matter said after the man's release on Wednesday. He shared the same first name and family name as Mr Otaibi, but not the same patronymic name. Nor did his passport number match the wanted suspect's passport number, the source added.
Khashoggi, a Washington Post journalist and critic of Saudi Arabia's de facto ruler, Crown Prince Mohammed bin Salman, was last seen entering the Saudi Consulate in Istanbul on October 2nd, 2018. Turkish officials believe his body was dismembered and removed. His remains have not been found.
A senior French police official said he was baffled by events. The man held overnight had made several European trips in past months and entered France in November without issue, he added. The official requested anonymity because of the sensitivity of the matter.
When news of the arrest in Paris first broke, rights groups and Khashoggi's fiancee had expressed relief that such a high-profile suspect had been caught.
A 2019 UN investigation report said Mr Otaibi was a member of a 15-man Saudi team involved in killing Khashoggi after the journalist went to the Saudi Consulate in Istanbul to obtain a document to allow him to marry his fiancee.
The arrest had come at a sensitive time for the countries involved.
President Emmanuel Macron had days earlier become the first major Western leader to hold face-to-face talks with Prince Mohammed in the kingdom, a major buyer of French arms, since Khashoggi's murder.
Mr Macron considers Saudi Arabia vital to help forge a region-wide peace deal with Iran, as well as an ally in the fight against Islamist militants from the Middle East to West Africa, and a rampart against the Muslim Brotherhood.
Turkey initially sought to pile international pressure on Prince Mohammed after Khashoggi's murder, saying the order had come from the highest level of the Saudi government, but Ankara has recently appeared to favour mending relations. – Reuters
Jamal Khashoggi
Khaled Al Otaibi
Mohammed bin Salman


text:
Sectors & IndustriesBasic MaterialsCopper
Best Copper Stocks to Buy Now (2023)
Top copper stocks in 2023 ranked by overall Zen Score. See the best copper stocks to buy now, according to analyst forecasts for the copper industry.
Edit filters (4 stocks)
Industry: Copper
ERO COPPER CORP
FREEPORT-MCMORAN INC
HUDBAY MINERALS INC
$1.50B $5.73 0.17% $527.29M 19.76x 1.73
SOUTHERN COPPER CORP
Copper Stocks FAQ
What are the best copper stocks to buy right now in Jan 2023?
According to Zen Score, the 3 best copper mining stocks to buy right now are:
1. Ero Copper (NYSE:ERO)
Ero Copper (NYSE:ERO) is the top copper stock with a Zen Score of 59, which is 17 points higher than the copper industry average of 42. It passed 19 out of 33 due diligence checks and has strong fundamentals. Ero Copper has seen its stock return 28.65% over the past year, overperforming other copper stocks by 13 percentage points.
Ero Copper has an average 1 year price target of $15.54, a downside of -3.04% from Ero Copper's current stock price of $16.03.
Ero Copper stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 9 analysts covering Ero Copper, 66.67% have issued a Strong Buy rating, 22.22% have issued a Buy, 11.11% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.
2. Freeport Mcmoran (NYSE:FCX)
Freeport Mcmoran (NYSE:FCX) is the second best copper stock with a Zen Score of 36, which is -6 points lower than the copper industry average of 42. It passed 14 out of 38 due diligence checks and has average fundamentals. Freeport Mcmoran has seen its stock return 18.27% over the past year, overperforming other copper stocks by 3 percentage points.
Freeport Mcmoran has an average 1 year price target of $39.67, a downside of -12.72% from Freeport Mcmoran's current stock price of $45.45.
Freeport Mcmoran stock has a consensus Hold recommendation according to Wall Street analysts. Of the 13 analysts covering Freeport Mcmoran, 15.38% have issued a Strong Buy rating, 7.69% have issued a Buy, 69.23% have issued a hold, while 0% have issued a Sell rating, and 7.69% have issued a Strong Sell.
3. Hudbay Minerals (NYSE:HBM)
Hudbay Minerals (NYSE:HBM) is the third best copper stock with a Zen Score of 36, which is -6 points lower than the copper industry average of 42. It passed 14 out of 38 due diligence checks and has average fundamentals. Hudbay Minerals has seen its stock lose -22.46% over the past year, underperforming other copper stocks by -38 percentage points.
Hudbay Minerals has an average 1 year price target of $7.39, an upside of 28.92% from Hudbay Minerals's current stock price of $5.73.
Hudbay Minerals stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 11 analysts covering Hudbay Minerals, 45.45% have issued a Strong Buy rating, 36.36% have issued a Buy, 18.18% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.
What are the copper stocks with highest dividends?
Out of 3 copper stocks that have issued dividends in the past year, the 3 copper stocks with the highest dividend yields are:
1. Southern Copper (NYSE:SCCO)
Southern Copper (NYSE:SCCO) has an annual dividend yield of 4.68%, which is 3 percentage points higher than the copper industry average of 2.09%. Southern Copper's dividend payout is not stable, having dropped more than 10% nine times in the last 10 years. Southern Copper's dividend has shown consistent growth over the last 10 years.
Southern Copper's dividend payout ratio of 120.5% indicates that its high dividend yield might not be sustainable for the long-term.
Freeport Mcmoran (NYSE:FCX) has an annual dividend yield of 1.32%, which is -1 percentage points lower than the copper industry average of 2.09%. Freeport Mcmoran's dividend payout is not stable, having dropped more than 10% two times in the last 10 years. Freeport Mcmoran's dividend has not shown consistent growth over the last 10 years.
Freeport Mcmoran's dividend payout ratio of 22.6% indicates that its dividend yield is sustainable for the long-term.
Hudbay Minerals (NYSE:HBM) has an annual dividend yield of 0.27%, which is -2 percentage points lower than the copper industry average of 2.09%. Hudbay Minerals's dividend payout is not stable, having dropped more than 10% three times in the last 10 years. Hudbay Minerals's dividend has not shown consistent growth over the last 10 years.
Hudbay Minerals's dividend payout ratio of 5.2% indicates that its dividend yield is sustainable for the long-term.
Why are copper stocks down?
Copper stocks were down -1.17% in the last day, and down -0.23% over the last week.
We couldn't find a catalyst for why copper stocks are down.
What are the most undervalued copper stocks?
Based on WallStreetZen's Valuation Score, the 1 most undervalued copper stocks right now are:
Ero Copper (NYSE:ERO) is the most undervalued copper stock based on WallStreetZen's Valuation Score. Ero Copper has a valuation score of 71, which is 28 points higher than the copper industry average of 43. It passed 5 out of 7 valuation due diligence checks.
Ero Copper's stock has gained 28.65% in the past year. It has overperformed other stocks in the copper industry by 13 percentage points.
Are copper stocks a good buy now?
50% of copper stocks rated by analysts are a strong buy right now. On average, analysts expect copper stocks to fall by -22.47% over the next year.
What is the average p/e ratio of the copper industry?
The average P/E ratio of the copper industry is 19.54x.


text:
I knew it would be fantastic, but…
In a convoluted way, the LA journey at the end of August is still manifesting itself into new experiences. I crossed paths with a new music friend at the LA auditions by the name of Alyssa Jacey. This singer/songwriter young lady from San Diego was very energetic and engaging right off the bat; she has the kind of personality that you're immediately drawn to. Shortly after the LA trip, she went to Nashville to start work on her latest solo record. After a San Diego songwriting session and several long phone chats, I received an invite to visit Music City during her time there.
Nashville has a lot of attractive qualities to it other than the music draw. The lovely Cumberland River cuts right through the heart of the metropolis. The city's appearance reminded me of Minneapolis to some degree by means of its downtown buildings and scenic bridges. It was quite a bit warmer than Minneapolis when I landed on 10/21. Right away, the plan was to discover as many of the secrets that Broadway had to offer as I could. Not having done any purposeful venue scouting ahead of time, every bar and every stage and every band would soon be a pleasant surprise.
One of these tasty little secrets is having discovered a new live vocal mic. In every sound room that I walked into, the vocals sounded really warm and bright. The one consistent piece of hardware on every stage was the microphone: the Sennheiser e935. I have since started using one for my performances and love its new sound.
At almost every hour of the day, there is a band playing on each stage on Broadway. I watched several groups playing country, bluegrass, and rock, including some well-done top 40 covers. The list of my Broadway stops included: Legends, The Stage, Tootsie's, Whiskey Bent, National Underground, and Jack's BBQ, the site of the tastiest meal I experienced that weekend. I'm a sucker for BBQ, and Jack's did it just right.
The next day's journey included a 90-minute drive down to Monteagle, TN for the 1st performance of the weekend. Jim Oliver's Smokehouse (and resort) played fantastic hosts to the eclectic musicians that performed that night. Alyssa, and a well-known, well-liked artist at the Smokehouse by the name of Nathan Douglas are two fantastic songwriters I had the honor of supporting. The accommodations post-show were unbelievable; a mansion of a log cabin and all the moonshine we could hope to enjoy were our welcomed comforts that evening.
Perfectly dehydrated, Sunday began with a leisurely drive back to Nashville, this time dodging Tennessee Titans foot traffic. The football fan in me wanted to go find some nosebleeds and enjoy the afternoon at LP Field, however the music fan in me insisted on taking in more of the town. It turns out enjoying the afternoon wandering the Music Row neighborhood was the better option. I was much happier than the hometown football crowd; the Titans were embarrassed by the Texans to the tune of 41-7.
The final act of my Nashville excursion took place at Hotel Indigo's downtown location. A fabulous gentleman by the name of Ty Brando puts on weekly songwriter's rounds featuring the finest talent Nashville has to offer. The format of the rounds that night featured 3 – 4 songwriters on the stage, each playing one original song over the span of an hour. The earlier rounds featured some really tasty songs. I knew the talent would be fantastic, but I really was blown away by the quality of songs and musicianship I was hearing. Kathy Von B, Sarah Brown, and Richard Jordan were all stand-outs that night.
I was lucky enough to take part in the final round of the night with Alyssa and a wonderful singer/pianist by the name of Jenn Bostic. Jenn is a Minnesota native who moved to Nashville to pursue music a few years ago. All of her songs that night were great, but one song in particular, called Jealous of the Angels, struck me… hard. It was so impactful that it took me an extra moment to recollect myself to perform my next song. I strongly recommend giving it a listen.
After returning home, I am struggling to find the precise words to describe the overall Nashville experience. It is unlike anywhere I've ever been. I shared some very engaging conversations with some incredible artists and people. Put simply, I was enamored after having shared mutual passions and aspirations with so many unique and talented folks. Alyssa Jacey, who is among the most talented and driven, is the reason I was able to experience Nashville. I am very grateful. Please take a moment to enjoy her musical talents…
Nashville is a true melting pot of musical integrity. Nearly every person I met asked when I was moving there. Though I have no conscious intentions, the thought of living in such a vibrant, enriching musical community is stirring. Consider the seed planted, Nashville…
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After years of headlining rock shows and opening up for some of the hottest acts around, Minneapolis-native Tony Williams (formerly of hard rock act Staija) began a journey of crisscrossing the musical spectrum, searching for the right mixture of melody, emotion, and instrumentation. It was a new beginning, born of a need to blend these experiences to create something original: a true solo record from start to finish under the brand of TW.
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07/18/19	TW (solo) in Minneapolis, MN at Westin Minneapolis
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07/27/19	TW (solo) in Stillwater, MN at Aamodt's Apple Farm
08/28/19	TW (solo) in Duluth, MN at Bent Paddle Brewing Co
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A Walking Force-for-Good on the North Country Trail
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A leisurely stroll around Crown Point Fort in New York State after completing the Vermont portion of the North Country Trail.
Today is Saturday and I gave my feet the pleasure of a walk around the Waitsfield Farmer's Market and a short stretch of the sidewalk, crossing Main Street twice. The past week they have propelled me along roughly forty-six miles of hiking in the Green Mountains and the Champlain Valley. Not accustomed to that much confinement in my waterproof boots, I chose to wear my sandals for the 8.5-mile road walk across the Champlain Valley yesterday. Feet management is an important consideration I have learned. "I give my feet at least 12 hours off every day.", said Denali, long-distance hiker and my companion hiker for Sunday, Wednesday and Friday. This is an update on A Day in the Moosalamoo with Denali, detailing her adventure traversing the North Country Trail in Vermont.
Fungi in the Green Mountain National Forest.
Denali is safely on her way in New York State having crossed the Champlain Bridge at around 5:00pm yesterday. We met up early in the morning in Weybridge for the final stretch of her Vermont journey. I left Denali back at the Sucker Brook Shelter, just up the side trail from the Moosalamoo National Recreation Area last Sunday. For three days, she hiked and camped on the Long Trail heading south to Maine Junction, the eastern terminus of the North Country Trail and Junction of the Long Trail and Appalachian Trail. While Denali was heading south on the LT Tuesday afternoon, I joined fellow Peak-a-Week Club members for a hike of Burnt Rock (LT summit south of Camel's Hump). We were chased down early due to impending wide-spread heavy thunderstorms marching steadily across the Champlain Valley. Thankfully the PAW gang reached the lower-angle approach before we got soaking wet. Denali and I both felt the reach of that storm even though we were several walking-days apart.
With a temporary sticker applied, we captured the happy completion of Denali's Long Trail trek from Sucker Brook.
On Wednesday morning, Denali and I met at Maine Junction as I hiked up the Sherburne Pass Trail from Route 4. Our timing was great though we did not set a particular timeframe other than mid-day. I had only a 20-minute rest at the junction before she magically appeared descending the LT from the north. Denali's smile was wide, and her spirit was high. She had clearly been infected by the magic of the foot path in the wilderness. On my way up, two separate times, I met a young person who had encamped with Denali the night before – HS graduate Henry and college graduate Sarah. Each gave me a good report on the lady that I had left on the LT, alone, wet, and cold three nights before. They both had broad smiles while as we passed and I was comforted. Denali later regaled me with the story of Henry and her, coincidently meeting up with a contingent of young Middlebury College alumni at their overnight mountainside reunion. Henry will now be applying to Middlebury.
The return to Sherburne Pass and my car, was a return to the reality of the modern, post covid world with a whirr of traffic on the major east-west truck route and corridor for tourism, US Route 4. One needs to sprint across the busy lanes these days. Of course, it was time for Denali to have a sit-down, hot meal and we were not disappointed with our lunch at McGrath's Irish Pub at the Long Trail Inn. This is a classic Vermont family business and has been catering to LT and AT hikers for decades. Murry McGrath was psyched to hear about the NCT when we dropped off some brochures and maps. Denali entered her name in the guestbook. She remarked that she was probably the first to mark NCT in the trail column. This, and her interaction with Murry and others, made me fully realize: this woman is a walking-force-for-good for the North Country Trail. She has fully embraced her mission of being a walking ambassador for the NCT.
The guestbook ledger at the Long Trail Inn. Denali on the NCT.
After a fine meal and cold beverage, we departed in the Volvo and headed north. Without a pre-arranged plan, and there being plenty of daylight, we allowed spontaneity to directed us and headed back to Sunday's trailhead on Route 125 for Denali to pick up the trail west. A stop at the Robert Frost Interpretive Trail and a stroll along the accessible pathways and boardwalks was an unexpected treat. It was fun reading aloud my favorite Frost poems as we wended amid the wetlands, trees and open meadows along the short loop. Reluctantly, we did not stay to ponder, and head back down that most-traveled road, for Denali to continue her wander.
More forest floor color popping up.
Dropping the trail sprite off at the Oak Ridge Trailhead, I drove ahead to my former home-away-from-home, the Waybury Inn in East Middlebury, to secure a room for the happy North Country Trail traveler. Denali closed the gap on foot and arrived at the inn shortly. We used the convenient WIFI to view the interactive NCT map and reconnoitered the route to the Trails Around Middlebury (TAM). After determining that a road walk of Routes 7 and 125 was best, I dropped her at the official newly constructed leg of the TAM and North Country Trail south of Middlebury Village and set her free as she walked the three plus miles back to the Inn. Once again, we departed, but this time I knew that she would be in the lap of luxury, love and kindness at the Inn. Her dinner choice being the Mushroom Wellington, I'm sure was a welcome change from her trail food and cookies that I gave her on Sunday.
The venerable TAM builder John Derick with Denali in Weybridge, Vermont.
I left Mary in good hands at the Inn and with our friend John Derick, who once again provided his courteous shepherding of Denali along her way on Thursday as she traversed his love – the TAM. I returned to the several other things that occupy my day as a not-very-idle retiree, but with a hankering to return to the trail. Later that afternoon I joined friends with the Slow Hikers in Transition club for a hike up Timberline at Bolton Ski Area. What fun to keep my local hiking friends abreast of Denali's and my adventures, knowing then that I was determined to reconnect with her.
The Slow Hikers in Transition at Bolton.
So, with the help of John we planned a final day hike of Vermont from Weybridge to the Champlain Bridge and New York State boarder. Denali spent the night in an undisclosed location in Weybridge in her comfortable tent. She arose early to walk the remaining section of the official NCT route in Weybridge across the lands of Monument Farms Dairy to Prunier Road where she met John. They then drove to the New York State Campground on Lake Champlain just opposite the Vermont side of the Champlain Bridge, the NCT link between VT and NY and former eastern terminus. Thankfully, the staff graciously reserved Denali a site and we spotted my car there. John returned us to Prunier Road where we began our day-long walk back to NY, the campground and the Silver Bullet (Volvo).
We warmed up fast as the sun rose and our pace quickened along the quiet town roads of Weybridge, crossing the Lemon Fair River, until we arrived at the first actual trailhead. In the spirit of a national scenic trail experience we deviated from the official NCT route and entered the Vermont Department of Fish Snake Mountain Wildlife Management Area (WMA) access on the east side on Snake Mountain Road. The forest trail ascents up the east side of the mountain into the WMA and connects with a very active recreation trail from the west side, a former carriage road to the top of Grand View, once the site of a hotel. We chose this route and lunchtime destination for its stunning view of the Champlain Valley, its like-named lake, and the majestic Adirondack Mountains beyond.
The author with Denali at Grand View looking west across the Champlain Valley into New York.
My Vermont friends aren't keen on when I remark that Vermont is so beautiful because it has such a great view of New York, a view that we often have as peak baggers in the Greens. Turkey Vultures lazily ride the updrafts along the cliffs of the Snake Mountain ridge that pokes up several hundred feet above the valley floor below. Denali was delighted with the deviation from the official road route around the mountain and advised patience with the hope of making our route officially accepted. Her sage advice on land manager relations has been well-honed with her work with the Florida Trails Association and affiliated experience working with the greater National Trails community. Say nothing of her 15,000 plus miles walking the walk.
An historic stone house in the Champlain Valley.
Speaking of walking, that we did! It was another 8.5 miles of road walk to the Champlain Bridge along the open stretch of the Champlain Valley through Addison County. We descended to Mountain Road on the west side and then headed due west on Town Line Road. With no curves and only a few dips and crests we had continuous, magnificent sweeping views of the farmland countryside and approaching mountains in the distance. We made rather quick work of the long but no-so-winding road, taking only one break for a snack and rest. Only a few cars passed us as we sat in the shade along the road like two vagabonds. Soon we found ourselves back on Route 125. CAUTION! This is the most perilous section of the entire Vermont route due to the very narrow roadway with no shoulder, many curves, and lots of traffic. The only recompense being the great views of Lake Champlain adjacent to the road, and the welcome sight of the bridge in the distance. Thankfully this is a fairly short section of approximately a half mile.
Caution advised on Route 125.
We had now entered a very historic area, Chimney Point in Vermont and Crown Point in New York. Before completing our journey and touring the area, we rested our weary feet and sated our wanting hunger with an early dinner at the Bridge Restaurant where the food was great and the service welcoming and friendly. We drank a gallon of water and I had one beer – Yay! Fully fortified we were off to visit the fortifications and historically significant features of this narrow chokepoint of Lake Champlain, starting at the Chimney Point State Historic Site Museum on the Vermont side and then taking a sunset walk around the remains of the French and British forts at the Crown Point State Historic Site in New York. I regaled Denali with stories of the history of Vermont as we mounted the eastern side of the Champlain Bridge and crossed into New York under its graceful arches. Great nations vied for control of the continent, embroiling the indigenous peoples, as territory swayed based upon the control of this point, ultimately resulting in the capture and control of the British Crown Point Fort by Seth Warner and the Green Mountain Boys during the early part of the American Revolutionary War.
Green algae blooms in the bay with the Champlain Bridge and NYS in the distance.
For the third time, I was leaving Denali after spending the entire day walking and traveling with her. It is hard not to get to know and admire someone after such a bonding experience. I know that our trails will merge again as I am heading west on my annual summer tour of youth music education (DCI.org) through New York, Pennsylvania and Ohio. I have sent word ahead to other North Country Trail folks in New York including my two sisters to be available to boost her along her long and winding trail through the Adirondacks, Central New York and the Finger Lakes. I have been touched by her magic and she will be in my thoughts as I work with others on making the North Country Trail in Vermont and beyond not only the longest, but the best National Scenic Trail.
The graceful arches and a graceful stride.
This morning, I saw this smallish, 60+ lady in sneakers carrying a pack, sprinkling a magic fairy trail dust everywhere she stepped. I awoke and felt good. Happy trails Denali.
Denali, a walking force for good.
Categories: Hiking, North Country Trail, Uncategorized


Pete Davidson and Ariana Grande know about making a serious commitment — but they're just not ready to buy a couch together.
"It's like, we have six beanbags, but we have no forks—you know what I mean?" Davidson tells GQ of the engaged couple's new luxury apartment in New York City, which cost a reported $16 million. But their casual living situation seems to suit them just fine for now. "We're learning how to be adults. We're having a really fun time," says the SNL cast member, 24.
Grande alone purchased the condo, GQ clarifies, which the couple moved into earlier this summer. But Davidson is very grateful for the upgraded living situation and regularly tells his fiancée so.
Grande, 24, seemingly confirmed they had moved in on her Instagram Stories in June and also poked fun at their lack of furniture.
The singer posted an image from Spongebob Squarepants that showed the cartoon character sitting on the floor with a big smile as he holds a tissue. "Us in our new apartment with no furniture 1 speaker and red vines," she captioned the picture.
Though their unit is still in need of the necessities, their luxury building has plenty of over-the-top amenities to serve the pair.
There's the juice bar, which is located in the on-site fitness facility; a wellness level with a private spa; a 75-foot indoor pool, lit from above by a massive skylight; and a "secured parking portal," which is essentially an automated valet.
The most unusual feature, however, is unheard of even for a celeb-friendly building: a genuine IMAX theater. It's one of the only private IMAX screens in a residential building anywhere in the world.
Grande and Davidson had been dating for just a few weeks before getting engaged. He proposed with a 3-carat diamond reportedly worth nearly $100 thousand.
For more, pick up the September issue of GQ, on newsstands August 21, or visit gq.com.


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This upbeat tune – music by Harold Arlen and lyrics by Johnny Mercer – has been a hit for decades.
Bing Crosby sang it in the 1944 film, Here Come the Waves. And the song was later recorded by performers as diverse as Connie Francis, Ella Fitzgerald, Aretha Franklin, NRBQ and Paul McCartney.
When it comes to organizational change, gone are the days when the focus first and foremost is on what's not working – what's broken.
Instead, a growing body of research focuses on building on positives – the strengths and competencies that have worked well for both individuals and organizations.
In organizations, the goal is similar – to maximize strengths of individuals and groups to increase capacity and effectiveness.
So in this issue of Changing Times, we share resources and techniques for building on your strengths and those of the people you manage – creating a more strength-based organization. Another Wunderlin Company newsletter explores appreciative inquiry more thoroughly.
Your first thoughts about positive psychology may be that it sounds like a lot of popular culture references today.
Speakers at TED events – those convocations of folks with fresh ideas – offer dozens of perspectives on positive thinking and happiness.
And popular book lists have seen a boom in topical bestsellers including The Happiness Project by Gretchen Rubin and Stumbling on Happiness by Daniel Gilbert.
One of our favorite books is Now, Discover Your Strengths, by Marcus Buckingham and Donald Clifton. It helps individuals identify their talents, enhance and build them into strengths – and enjoy a consistently excellent performance.
It's funny: If you ask most people about their strengths, they have a hard time articulating them. If you ask them about their weaknesses, they become experts… happy to focus on repairing them.
"The real tragedy of life is not that each of us doesn't have enough strengths it's that we fail to use the ones we have," the authors say.
Buckingham and Clifton challenge readers to adopt the two following assumptions and launch a "strengths revolution" as individuals and in their own organizations.
First, each person's talents are enduring and unique. Second, each person's greatest room for growth is in the areas of greatest strengths.
Based on a Gallup study of more than 2 million people, the authors introduce 34 dominant strengths they call "themes"– from responsibility to strategic skills – with thousands of possible combinations.
If you manage people, the implications are clear, they say: You must understand the value of talent, identify different kinds of contributions, tailor your approaches to your diverse staff strengths and invest the most time with your best people to get maximum impact.
Gallup Press has followed up that book with two more – StrengthsFinder 2.0 and Strengths-Based Leadership.
With an access code from their books, a web-based assessment analyzes your instinctive reactions and immediately presents you with your five most powerful signature themes.
You may also have used other tools to help you identify your strengths – like the Myers Briggs Type Indicator and other assessment measures we discuss in another Changing Times column. They also represent a fine way to assess your assets.
Get a little better at it. You need a basic level of competence at some key skills – like listening well, communicating and organizing your life so you are in the right place at the right time with the right tools. If you fail to address those weaknesses, they can undermine all your strengths. So: focus.
Use one of your strongest themes to overwhelm your weakness. We often recommend this strategy to coaching clients. In one case, a client was a very effective salesperson; his customers loved dealing with him because he was knowledgeable and a creative problem-solver. The problem: his internal staff found him very difficult to deal with. Eventually, he learned to use the questioning and listening skills that worked so well with his clients on his internal staff to improve relationships and results.
Find a partner. It takes a strong person to ask for help. If you do, you can often find a complementary partner. Think of the "numbers-blind" entrepreneur who deliberately teams up with an accounting whiz or the creative program planner who relies on a great detail person. Together, they are strong.
Donald Clifton, one of the authors of Now, Discover Your Strengths, collaborated with his grandson, Tom Rath, to write a short upbeat best-seller that takes another perspective on positive psychology, How Full is Your Bucket?
Organized around a simple metaphor, the book teaches you how to increase the positive moments in your life while reducing the negative.
It goes like this: "Each of us has an invisible dipper. When we use that dipper to fill other people's bucket by saying or doing things to increase their positive emotions we also fill our own bucket.
As you read the book, you will discover the power of bucket-filling in your own life. If you would like to introduce the concept to a child, there's a new version aimed at young people.
Earlier, we mentioned Martin Seligman. The father of positive psychology has written several books we recommend.
One of our favorites is Learned Optimism: How to Change Your Mind and Your Life, which provides step-by-step techniques that look at your thought patterns and interior dialogue. If you have been exposed to "cognitive therapy," you may see some similarities – and with good reason. Seligman and its developer, psychiatrist Aaron T. Beck, were colleagues at the University of Pennsylvania.
As we grow up, Seligman says, we develop habits in how we explain life to ourselves. With "Learned Optimism," we can challenge habits that are negative.
Permanence: Some people give up easily, believing whatever causes a bad event is permanent. See the example below.
If you think about bad things in terms of "always" and "never," that may suggest you tend toward pessimism. If you think in "sometimes" and "lately," use qualifiers and blame bad events on transient conditions, you have a more optimistic style.
The optimistic style of explaining good events is just the opposite: People see good events having staying power.
Pervasiveness: While some people keep issues separate as they look at their lives, others let problems bleed over to color the big picture – so a specific problem with work or their personal lives leads to an overall tendency to "catastrophize" in a more universal way.
Finding temporary and specific causes for misfortune is the art of hope. Finding permanent and universal causes for misfortune is the practice of despair.
Personalization. When bad things happen, Seligman explains, we can always blame ourselves or we can rightly put some of the burden on external forces – other people or circumstances.
What you do makes a big difference in your self-esteem – and the odds of more successes.
The key is self-knowledge, says Seligman.
Sure, we may have personalities shaped by our genes, habits, and experiences.
If you know you usually explain things to yourself in a pessimistic way, you can work on giving a different perspective a try for balance.
Work on changing your habits of thinking – your explanatory style – and you will be happier now and become more optimistic and better equipped to cope when truly troubled times come.
Here is a sampling of popular TED talks that reflect on positive psychology. Browse and be inspired.
Martin Seligman offers an overview of positive psychology and the factors that relate to a satisfying life – pleasure, engagemen, and meaning.
Google's Mark Cutts challenges you to change habits and take on new challenges for 30 days at a time – a great manageable way to develop positive initiatives.
Harvard psychologist Dan Gilbert, the author of Stumbling on Happiness, reflects on our bias toward happiness – one that persists even when we don't get what we want.
Neuroscientist Tali Sharot discusses our bias towards optimism – including the joy of anticipating good outcomes.
If you think it might be fun to wind up this column by hearing Paul McCartney accentuate the positive, we are happy to share his version.


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Publicis Sapient CEO's Reference to Harriet Tubman on Companywide Call Causes Friction
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By Erik Oster on Nov. 26, 2019 - 3:39 PM
A reference to abolitionist Harriet Tubman by Publicis Sapient CEO Nigel Vaz during a company-wide call was perceived by some employees as culturally insensitive.
Vaz made the statements during a global, all-hands call across the company's offices on Oct. 28. AgencySpy spoke with three sources who took issue with Vaz's comments about Tubman, who was born into slavery before the Civil War and led others to freedom along the Underground Railroad.
"I shared a personal story about someone that inspired me as a child, and used a quote from her that I found inspirational," Vaz told AgencySpy.
The quotation he shared with the staff was, "Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience and the passion to reach for the stars and to change the world."
"In no way was Harriet Tubman referenced in any other context," he added.
However, three sources present on the call expressed the view that it was exactly the context of the conversation they found troubling. In the call, which was described as a regular town hall-style agency update, he included a brief explanation of Tubman's historical significance for those on the global call who may not have been familiar with her as a lead-in to the quote.
After sharing the quote, Vaz expressed his hopes that it would inspire employees as they look to what the agency can accomplish, sources told AgencySpy.
The three sources who spoke with AgencySpy interpreted this as implicitly connecting Tubman as a source of inspiration to the agency's goals, recontextualizing her words (and, by extension, accomplishments) for the business world, something they felt was culturally insensitive.
"I can completely understand how equating Harriet Tubman's story to business would be [insensitive]. However, in the context of the conversation I was having, I was referencing her as a personal inspiration from childhood who shaped how I think about the world around me," Vaz explained in a statement to Adweek. "If my words were misinterpreted, that was not the intention. I believe the experience of Harriet Tubman and of slavery deserves space, respect and care."
Ironically, the quote that Vaz shared with his staff can't be conclusively attributed to Tubman. According to author Kate Clifford Larson, who wrote the 2003 biography Bound For the Promised Land: Harriet Tubman, Portrait of an American Hero, "This quote was entirely made up in 2007. There is no documentation, nor historical basis for this quote."
Vaz was named CEO of Publicis Sapient in February as the agency completed a reorganization and officially retired the interactive agency Razorfish. He formerly served as CEO of Publicis Sapient International in the EMEA and APAC regions, and replaced Alan Wexler, who moved into a chairman role.
Publicis Sapient went through a staffing realignment in July, which sources said impacted around 100 employees and was related to financial performance. This year the agency has faced the challenge of a reorganization accompanying Vaz's arrival, as it retired the Razorfish brand in the wake of its absorption into Publicis Sapient.
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Executive Director Jasmine Davenport (formerly Sanders) receives the 2022 John F. Kennedy New Frontier Award
Carrie Cullen
Carrie Cullen, Our Climate
Carrie@ourclimate.us
WASHINGTON, D.C, March 28, 2022 – Our Climate, a nonprofit that empowers young people to advocate for the science-based, equitable and intersectional climate justice policies that build a thriving world, is pleased to announce that our Executive Director Jasmine Davenport (formerly Sanders) is the 2022 recipient of the John F. Kennedy New Frontier Award.
The John F. Kennedy New Frontier Awards® were created by the John F. Kennedy Library Foundation and The Institute of Politics at Harvard University to honor Americans under the age of 40 who are changing their communities and the country with their commitment to public service. The awards are presented annually to two exceptional individuals whose contributions as full-time public servants in elective office, community service, or advocacy demonstrate the impact and the value of public service in the spirit of John F. Kennedy.
"My grandfather understood the power of young leaders to change the world," said Jack Schlossberg, grandson of President Kennedy and chair of the New Frontier Award Committee.
The New Frontier Award recognizes Jasmine Davenport (formerly Sanders) for her leadership in the climate justice movement as the Executive Director of Our Climate, a climate scientist, and an outspoken advocate for equitable climate justice solutions on the local and global scale.
"Our Earth is crying out for help, and our environment is telling us that as human beings we need to make a difference. Young people are able to bring together different communities and generations. Young people are able to tap into what brings them joy, what needs to be done, and what they are good at. This is a unique opportunity," said Jasmine Davenport in her acceptance speech.
According to the John F. Kennedy Presidential Library and Museum website, "The recipients of the John F. Kennedy New Frontier Awards are role models for a new generation of public servants. They demonstrate the qualities President Kennedy embodied and admired: civic mindedness, pragmatism, vision and tenacity in identifying and addressing public challenges."
As Jasmine said in her speech, "Young people give me hope, and give me joy."
About Our Climate
Our Climate empowers young people to advocate for the science-based, equitable and intersectional climate justice policies that build a thriving world. We engage and train youth from affected communities and groups to participate in broad and diverse advocacy coalitions. Together, we build deep partnerships, mobilize, and center those most impacted by climate change to dismantle systemic oppression and achieve systemic change. For more information, please visit www.ourclimate.us.
Published On: March 28th, 2022 / Categories: Blog /
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Living Paycheck to Paycheck: Credit Cards are to Blame.
Credit cards are one of the leading causes of why people in America are living paycheck to paycheck. Credit cards have greatly contributed over the last 30 years toward the mentality that leads to living paycheck to paycheck.
Living paycheck to paycheck has always been a problem for people who have strapped budget due to their limited income potential. However, credit cards have greatly intensified this problem: it gives the ability for people to spend their money before they earned it. The very premise of a credit card is that anything can be purchased at any time without restriction. There is no loan approval process or any other hurdle toward spending instantly according to your desires.
Because the premise of absolute financial freedom is planted in the mind by credit card usage, this generates a false financial reality. Families that could otherwise have very balanced budgets and sizable savings, are falsely led to believe that they can operate with large unnecessary monthly expenditures and absolutely no financial education or understanding. They have always been able to have anything they want and are preprogrammed to make large monthly payments on what ever they purchase. These payments are made into infinity with no plan for anything otherwise.
Normally this would send off huge danger signals such as you are wasting substantial portions of your income or are in imminent danger of losing everything you own because you have no equity in it.
However, because credit card usage destroys your true concept of financial reality, these signals are ignored or muted. To receive solace, the monthly payer looks around at his neighbors and sees that he has been doing similar things. In the monthly payer's mind, there is no other financial alternative.
The financial alternative to the "credit card mentality" is extremely obvious: become financially savvy and live within your means. Just because you are able to live in a slightly elevated status because you over-leverage your life with credit cards and mortgage loans, does not mean that you have to instantly default to that very poor and self-destructive mentality.
File bankruptcy, acquire financial knowledge, and live according to reality instead of monthly-payment financial insanity.
Nothing is impossible: You can learn how to live on 30% of your income instead of 130% of your income. How much better would it be to live the same life-style on 30% of your income than 130%?
If you have solid income at this point of your life, take advantage of the time you have left. The alternative is to pay $100,000's of "rent" to your credit card, mortgage, and other debt payments only to be left with nothing at the end of your working life.
Credit Card and mortgage companies want you to continue with some form of financial fantasy – as long as they can take your money. If you can bear to admit you've been taken and drop the credit company's financial fantasy, you can finally break out of the system that has enslaved so many into the paycheck to paycheck trap.
If you need any help on rebuilding your financial status, give our office a call: we are here to help.
~Indianapolis Bankruptcy Attorney John F. Bymaster on Living Paycheck to Paycheck: Credit Cards are to Blame.


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Brandon Kirchhoff
Andrew School Families and Visitors,
We wanted to let you know of a last-minute fundraiser before the end of the year to raise money to help with our Spring Leadership Day project. This year we are going to be working with Kids Against Hunger to make meals. These meals will provide nutritious food to families in Jackson County as well as all across the world. All funds raised will go toward this event.
The fundraiser we are organizing is a Penny War. Each class will have a container set out during the music concert. Classes will earn points for pennies and dollar bills that are placed in their class bucket. Any silver coins in the class buckets deduct points from their class total. The class with the most points by 9 AM on Tuesday, December 20th will get to pie Mr. Kirchhoff in the face. So basically, you will want to put your pennies and dollars into your child's container (for their class to earn points) and put any silver coins in all of the other bins (to deduct points from those bins.)
Thanks for your participation in this fundraiser.
Andrew Staff and Students
Andrew Community School District13 S. Marion St.Andrew, IA 52030Phone: 563.672.3221Fax: 563.672.9750
NON DISCRIMINATION STATEMENT
In accordance with federal civil rights law, Iowa law, and U.S. Department of Agriculture (USDA) civil rights regulations and policies, this institution is prohibited from discriminating on the basis of race, creed, color, national origin, sex (including gender identity and sexual orientation), disability, age, socioeconomic status, marital or veteran status, religion, or reprisal or retaliation for prior civil rights activity.
Program information may be made available in languages other than English. Persons with disabilities who require alternative means of communication to obtain program information (e.g., Braille, large print, audiotape, American Sign Language), should contact the responsible state or local agency that administers the program or USDA's TARGET Center at (202) 720-2600 (voice and TTY) or contact USDA through the Federal Relay Service at (800) 877-8339.
To file a program discrimination complaint, a Complainant should complete a Form AD-3027, USDA Program Discrimination Complaint Form which can be obtained online at: https://www.usda.gov/sites/default/files/documents/USDA-OASCR%20P-Complaint-Form-0508-0002-508-11-28-17Fax2Mail.pdf, from any USDA office, by calling (866) 632-9992, or by writing a letter addressed to USDA. The letter must contain the complainant's name, address, telephone number, and a written description of the alleged discriminatory action in sufficient detail to inform the Assistant Secretary for Civil Rights (ASCR) about the nature and date of an alleged civil rights violation. The completed AD-3027 form or letter must be submitted to USDA by:
Washington, D.C. 20250-9410; or
(833) 256-1665 or (202) 690-7442; or
program.intake@usda.gov
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The Number One responsibility of any government is the protection and safety of its people. Chicago is failing at this job. We have to get back to the basics and address the problem of violence that is destroying our neighborhoods, starting by cracking down on repeat gun offenders, restoring staffing levels to solve crimes and employing an all-hands-on-deck brand of community policing.
The police department has been severely depleted — costing the department millions of dollars in overtime, money that could be better spent on technical resources and training to help Chicago officers effectively carry out their jobs. City budgeting must prioritize hiring more officers to build a more responsive and accountable CPD.
In addition to the severe financial consequences of having an under-staffed police department, without a substantial increase in the number of sworn officers CPD will continue to be unable to effectively serve and protect Chicagoans. Chicago lags the nation in clearance rates for homicides and shootings. All Chicagoans are put at risk by the city's failure to prioritize investigation of these crimes. Too many cases are languishing because of the manpower shortage. The CPD detective division must be restored to full capacity to ensure violent crime is investigated in a timely manner.
Law enforcement is but one component of public safety. Positive, effective programs need to be developed for youth in our neighborhoods that focus on underlying causes of crime, including youth unemployment, lack of educational opportunity, and lack of hope. Programs must be developed and resourced to provide summer and part-time public service jobs to help shape the next generation of leaders. To help create a pipeline to success, youth that successfully participate in these city job programs will be given course credit at Chicago City Colleges and state universities, preference for grants and scholarships for higher education, and/or receive credit towards applications for City jobs.
Additionally, existing programs that build interaction and engagement between Chicago's youth and CPD need to be enhanced. I propose new programs such as one-on-one mentoring with CPD officers; increased CPD-Community teams working together at schools, parks, community gardens; sports leagues and tourneys; and other programs that facilitate positive interaction and engagement.
Building trust between CPD and the various communities in Chicago is vital. To establish more authentic community policing, I propose a Neighborhood Immersion Pilot Program. This pilot program would create teams of sergeants and beat officers that remain on the same beat for a period of 30 months. Having the same team in the same neighborhood for an extended period of time will foster consistency and familiarity that is currently lacking. With this immersion, officers will be better able to gather intelligence for solving crimes. By increasing the clearance rates and establishing a stable presence in these communities, the relationship and trust between officers and the communities they serve will improve.
Significant funds must be devoted to the needs of our first responder training, but the current proposal for constructing a new police and fire academy completely ignores the fiscal health of the city. The city should wait until it is on more stable financial footing before revisiting the costly construction of a new facility.
My proposed plan ensures that public safety, economic development and fiscal responsibility go hand-in-hand. We will repurpose five of the remaining vacant Chicago Public School buildings that were closed in 2013 to house the city's new fire and police training academies. This plan could save the city more than $100 million and serve as a catalyst for additional investment in the surrounding communities. The schools chosen for this plan were strategically selected because they are located within the boundaries of one of the newly-established Federal Opportunity Zones — a federal program that provides tax incentives to help spur investment in economically-depressed communities. This plan will save the city an additional $400,000 annually in costs currently associated with maintaining the vacant buildings.
Chicago does not have a gun problem; it has a gun EPIDEMIC. And it's an epidemic that has been stealing innocent lives and destroying Chicago communities for decades. Between 2013 and 2016, Chicago Police seized almost 7,000 illegal guns each year, In 2017 that number jumped to more than 8,600. The amount of illegal guns coming into the city through illegal trafficking from neighboring states continues to exacerbate the problem.
Addressing Chicago's gun epidemic requires a coordinated effort. Every level of government must be brought to the table — federal, state, county and city agencies — to coordinate a response that shares strategic and financial resources and utilizes the best tools available to law enforcement. I would seek more assistance from the federal government and the U.S. Attorney's Office and work with the ATF on a pilot program focused exclusively on removing guns from our streets.
Protecting our neighborhoods. Under current policy, violent offenders and individuals with multiple felony convictions or bond-related violations are being released in high volumes on "I"-Bonds or placed on electronic monitoring. Without adequate supervision or monitoring, many of these individuals fail to appear for court and return to criminal activity.
Monitoring criminal defendants. Many defendants placed on electronic monitoring disable their ankle bracelet, violating their bail conditions, and roam our streets with no accountability or restrictions. While an arrest warrant may be issued, apprehending these defendants has not been made a priority in Chicago and Cook County. Catching these defendant who have violated their bail conditions and are a public danger must be a priority. Let's get back to the basics and form a Chicago Police Department, Cook County Sheriff's Department and Illinois State Police task force to locate and apprehend defendants who remove their electronic monitoring bracelet.
Safety and well-being of crime victims. Just as victims of crime should be notified when a convicted felon is released from prison, victims have the right to be notified immediately that a criminal defendant has violated conditions of bail and/or escaped from their electronic monitoring ankle bracelets. It is common sense, but it does not occur. The rights of victims of crimes must be given the attention and protections they deserve.


An Illinois woman was struck and killed by a car while she was out of her vehicle on the corner of 209th Street and Western Avenue in Chicago Heights investigating a minor car accident that she had just been involved in. According to The Southtown Star, the Illinois woman and another woman involved in the minor accident were outside of their cars inspecting the damage when another vehicle hit the two women. One Illinois woman suffered fatal injuries and the other driver, who was a teenager suffered a broken leg when struck by the other car. The South Suburban Major Accident Reconstruction Team is investigating this fatal car accident, and for more information please click here.


PORT-AU-PRINCE Cheap Supreme Air Force 1 High UK , June 9 (Xinhua) -- The corruption scandal swirling around world soccer body FIFA has reached Haiti, following allegations post-earthquake reconstruction funds were embezzled by a football official, as it was reported Tuesday.
Haitian daily Alter Presse said former FIFA vice president Jack Warner is under investigation in the United States for embezzling funds earmarked for the victims of Haiti's devastating 2010 earthquake.
"The Trinidadian Jack Warner, the ex-vice president of the International Federation of Associated Football (1997-2011) and ex-president of the CONCACAF (1990-2011) embezzled 750 Cheap Special Field Air Force 1 UK ,000 U.S. dollars in donations for victims of the Jan. 12, 2010 quake," said Alter Presse, citing a BBC report.
Contacted by the daily Cheap Lunar Force 1 UK , the secretary general of the Haitian Football Federation (FHF), Carlo Marcelin, declined to comment on the revelation, "alleging he was not aware" of the latest report on the ongoing FIFA scandal.
Warner was arrested in Trinidad and Tobago on charges of bribery and corruption in relation to FIFA-organized World Cup games Cheap Air Force 1 White Mid UK , and released on bail.
Millions of dollars poured into Haiti after the quake hit, killing more than 200,000 people and leaving many more homeless.
The American Red Cross this week had to answer to allegations of mismanaging nearly half a billion dollars in donations for the rebuilding effort, after an investigative report claimed it had so far built only six homes.
RIO DE JANEIRO, April 5 (Xinhua) -- The Olympic Park facilities in Rio de Janeiro are practically ready four months before the inauguration of South America's first Olympic Games, announced the director of projects for the Municipal Olympic Company, Roberto Ainbinder, on Monday.
In a news conference with foreign correspondents within the Park, Ainbinder confirmed that 98 percent of the construction work has been finished. He also added that now the main concern of the municipal authorities has shifted towards how the city will operate during the sporting event.
"To keep the city ticking over with four regions being used in the Games everyday will be a challenge," admitted Ainbinder.
Located in the Barra da Tujica region, the Olympic Park covers an area of 1.18 million square meters and includes the Cariocas Arenas (1,2 and 3), the Future Arena which will house the basketball tournament and paralympic sports, the Aquatic Stadium, the Velodrome, the Tennis Center, the Main Press Center and the International Broadcast Center.
According to the director of the Olympic project, Rio de Janeiro is confident that there will be no problems as they are used to organizing large-scale events such as Carnaval, the Pan American Games in 2007.
South African Branden Grace shot a sparkling nine-under-par 63 to take a one-shot lead in the opening round of the WGC-HSBC Champions on Thursday while Rory McIlroy overcame a bout of food poisoning to finish the day five strokes back.
The world No.3 had been bedridden for two days and missed out on practice rounds at the Sheshan Golf Club in Shanghai Cheap Air Force 1 White Low UK , and while he did not look back to full health he still carded a four-under 68 to sit in a tie for 16th.
It was a score matched by world No.2 Jordan Spieth, -defending champion Bubba Watson and South African -major winners Charl Schwartzel and Louis Oosthuizen in an opening round delayed 30 -minutes because of heavy fog.
When the fog lifted it was Grace who saw the hole -clearest, the 27-year-old from Pretoria rolling in a short birdie putt on his last, the ninth Cheap Air Force 1 White UK , to sign for a 63 and break out of a four-way tie at the top of the leader board.
American Kevin Kisner, Australian Steven Bowditch and Dane Thorbjorn Olesen all fired 64s to sit one back of the world No.22.
American Dustin Johnson, chasing his second WGC title of the year after his Cadillac Championship win in March Cheap Air Force 1 Off White UK , produced another dazzling display of long hitting before finishing with a seven-under 65.
The 2013 champion was also inches away from a hole-in-one at the 197-yard (180-meter) fourth.
Seven-under was good enough for a share of fifth alongside compatriot Patrick Reed and England's Danny Willett, who is second in the European Tour's Race to Dubai standings behind McIlroy with two events remaining after this week.
McIlroy's participation had been in doubt due to his illness but he loaded up with antibiotics and painkillers before producing a six-birdie effort.
The round could have been even better but for a double-bogey six on his sixth hole and a cold putter.
Double major winner Spieth scrambled well in his 68, his first outing since last month's Presidents Cup win, -overcoming a lost ball at the par-three 17th following a wild tee shot.
"I stole a couple there and I'm pleased with four-under Cheap Air Force 1 Mid UK ," the Masters and US Open champion said.
WARSAW, April 3 (Xinhua) -- President Bronislaw Komorowski and PM Donald Tusk took part in a ceremony honoring Polish participants in the Sochi Winter Olympic Games on Thursday.
Olympic medal winners received state orders and money awards and their trainers also awarded.
"Polish success in the Sochi Games was great and I thank you all for your contribution," said Komorowski when handing the orders.
Polish athletes won six medals, including four gold. Kamil Stoch won gold in two ski jumping events Cheap Air Force 1 Low Womens UK , Zbigniew Brodka won a speed skating race, and Justyna Kowalczyk won a 10 km ski race.


C-III Capital Partners LLC (C-III) announced today that it has acquired the commercial real estate special servicing and CDO management businesses of JER Partners (JER), a private real estate investment management company. JER is the named special servicer for $35.5 billion of commercial real estate loans, of which approximately $4 billion is currently in special servicing and under active management.
C-III will merge JER's special servicing operations into its wholly-owned subsidiary, C-III Asset Management LLC, which is a highly rated primary and special servicer of commercial real estate loans. With the acquisition, C-III is now the named special servicer for approximately 14,000 loans with an aggregate balance in excess of $152 billion, of which approximately $17 billion is currently in special servicing.
The acquisition of JER's special servicing and CDO management businesses follows 16 months of tremendous growth for C-III. C-III commenced operations with the purchase of Centerline Capital Group's commercial loan servicing and institutional real estate debt fund management businesses in March 2010. Since that time, C-III has successfully launched mortgage origination, investment sales and title insurance businesses and expanded its principal investment, loan origination, fund management and primary and special loan servicing businesses. On June 22, 2011, C-III announced its agreement to acquire NAI Global, the largest network of independent commercial real estate services firms worldwide.
Financial terms of the transaction with JER were not disclosed.
C-III Capital Partners LLC is a leading commercial real estate services company engaged in a broad range of activities, including primary and special loan servicing, loan origination, fund management and principal investment. The company's principal place of business is located in Irving, TX, and it has additional offices in New York, NY, Greenville, SC and Nashville, TN.
C-III Asset Management LLC, a wholly-owned subsidiary of C-III Capital Partners, is a highly rated servicer (primary and special) of commercial real estate loans. Its clients include issuers of commercial mortgage-backed securities (CMBS) and collateralized debt obligations (CDOs), institutional lenders and other investors. C-III Asset Management is rated "CPS 2-" by Fitch and "Above Average" by Standard & Poor's as a primary servicer, and is one of the highest rated special servicers in the industry with ratings of "CSS 1-" by Fitch and "Strong" by Standard & Poor's. For more information, visit www.c3cp.com.
JER Partners is a fully integrated private real estate investment management company with 30 years of experience in sourcing, underwriting and managing a broad spectrum of real estate equity investments and debt products in the U.S. and Europe. Together with its financial and operating partners, JER Partners has purchased and managed approximately 15,000 assets totaling $28 billion. The firm also invests in CMBS, mezzanine financing and other structured debt products. For more information, visit www.jer.com.
Andrew Farkas founded Island Capital Group (ICG) in May 2003 and currently serves as its Managing Member, Chairman and CEO. Island Capital Group is a leading international real estate merchant bank engaged in a broad range of real estate related activities. Through its headquarters in New York City, ICG pursues a broad range of real estate-related investments. Its management team is comprised of individuals with financial expertise and true operating experience in order to view investments more critically and understand complex opportunities.
ICG has a unique strategy for identifying opportunities with a "top down" and "bottom up" method by taking a proactive approach to sourcing investments that is consistent with its investment thesis and leveraging its extensive network of brokerage, banking and institutional relationships.
Island Capital Group has six portfolio companies listed on its website: C-III Capital Partners, Centerline Holding Company, Island Global Yachting, Applied Technology & Management, ENSeC and ICG Realty. ICG provides several services, which are listed under "Businesses" on its site: (1) advisory, consulting and asset management services, (2) commercial real estate loan servicing, (3) fund management, (4) principal investment and co-investment, and (5) development.


Ancient artifacts are displayed amid the sleek modernity of Israel's Lod Airport.
Israel's Lod International Airport, just outside of Tel Aviv, boasts a light, airy and spacious interior, and my favorite touch: actual ancient artifacts displayed throughout the walkway area. It is always fascinating to see the old and the new merged together – going much further back than the Louvre's "old/new" addition of the glass structure, and even older than the Medieval buildings of Florence being used as gelato bars.
Being juxtaposed with truly ancient artifacts can, at once, make us feel like we, too, are just 'passing through,' dwarfing our own existence. At the same time, there is something continual and relevant about this coexistence, reminding us that there are still many things that stand the test of time, of history, and of cultural preservation. Our spirit and energy guarantee that we are not nearly as flimsy as our fleeting, physical lives would have us believe. And that is uplifting.
A special energy exists in a land that is so ancient, its decor is comprised of local archaeological finds.


From creating a budget to following it, curtailing expenses, or just getting clear a picture of your financial position, managing personal goals is a priority for most of us. In nutshell, whatever is your approach towards personal finance, it's majorly reliant on having a clear idea of your savings, the source of savings, and the place where it goes.
Fortunately, there are tools these days that can help you organize your finances in the best possible manner. GnuCash is one such free finance and accounting tool for personal and small businesses that help them manage big transactions. This tool is compatible with all major platforms such as Windows, Mac OS X and Linux.
While you can maintain your records for daily transactions using this open source software, you can also take advantage of its flexibility and strength by tracking your bank accounts, stocks, earnings and expenditures. While GnuCash has its own set of advantages with features like double cash register, tracking transactions, etc. it has some equally good alternatives that are worth a try.
It's a compact and lightweight finance management tool that comes with charting and reporting options. Best of all, it works with all major platforms. While Linux users can get a packaged version in their regular archives, Windows users can also install it by direct download.
It's an easy to use tool that's perfect for beginners with no experience in using similar software. It offers similar features like other tools, for instance, detecting duplicate transaction, split transactions, import from Microsoft Money, Quicken, etc. and so on. Best of all, HomeBank offers translation in over 56 languages.
Supported Platforms – Mac, Linux, and Windows.
KMyMoney promotes three primary objectives and those are accuracy, user-friendliness, and simple features. This is to ensure that you start using it and continue with the usage, while you take advantage of the transition. It comes with a package of features that includes QIF import, multiple currencies, investment tracking, account management, forecasting, tagging, and more.
Although you may not find the small business features in it like the GnuCash, it can be easier for those who do not want to confused with too many options. It's a free and an open source tool under the GL version 2.
Supported Platform – Linux, Windows, and Mac OS.
What we like about Grisbi is its interface which is easy to use and understand, intuitive and clean. Euros is the default currency used in Grisbi, which can be easily changed to any other currency. When supplied with the exchange rate, it can also modify the currency to the actual value automatically. However, the power to generate reports and presenting the data in several ways is one of best things about this software. Export your report in CSV or HTML format or get a copy of it and export the reports to another machine, it allows you all that.
Available in 24 languages that supports multiple currencies, Money Manager Ex is a free and open source alternative to GnuCash. While it works on all major platforms, it's also compatible with mobile phone platform and comes in form of an app. You can track your finances across all devices using the cloud synchronization option.
You can also run it directly using an USB key instead of installing the software on your workstation. For enhanced security, your financial information is saved in an SQLite Database (non-proprietary) locked with AES encryption. Tracking credit cards, stock accounts, savings or fixed assets, generating financial reports, or importing and exporting data in QIF and CSV format are some of the many features that it comes with.
Supported Platforms – Windows, Linux, and MacOS.
This personal finance management tool is especially designed for Mac OS X. However, it's also available for some other platforms. With this tool, you can manage the important accounts easily and efficiently. If you have multiple accounts, then this tool is perfect for you.
It comes with an easy to use interface that makes financial management a breeze. Online banking, summary of your finances, generating visual reports of your income and expenses, keeping accounts register, and reminders are some of the features offered by Moneydance. Comes with a free trial period and 90 days money back guarantee.
It's a Java based software which means this can be used on any platform till the time you can install java and run it on that platform. While you may get a little perplexed with the blank screen on starting this app, with very little information on how to go about it, but if you explore the platform, you will find many interesting features.
Supported Platforms – All platforms running Java.
It claims to be a free forever accounting software that works on all major platforms and offline too. Its designed only for small businesses and assists them to carry out functions like general ledger, fixed asset management, bank reconciliation, accounts payable/receivable, cash management and much more. With support for multiple languages that can adapt to any country and frequent new updated releases, Manager is a perfect free alternative to GnuCash.
Supported Platforms – Windows, Mac OS, and Linux.
Spreadsheets is another great alternative to GnuCash that's perfect for managing your financial data for free. What we like about this dedicated budgeting tools is that, it does not involve any complex formulas. It offers a peace of mind with the fact that there are any other who are using this tool so, you have got help with this when needed. Moreover, it does not store your personal data such as, account numbers in plain text especially, if you save data to a shared space.
Supported Platforms – Windows, Mac OS, Linux, Android and iOS.
Free for 34 days, this accounting tool is just the right solution for your personal management requirements. No more worrying about missing your budget or maintaining it when you have You Need A Budget. From maintaining your budget aspects like income and expenses to clearing your debts or saving more money, it's a handy tool that assists you in just four simple steps. The mobile apps are now free as well as for college students.
Supported Platforms – Windows, Mac OS, Android, and iOS.
If you have multiple accounts and feel difficult to manage, Ledgerist can be a handy tool for you. This way, it helps you keep a check on your savings account, credit cards, and any other accounts, all at the same time. Bonus – it also sorts and arranges your transactions by assigning them specific names and by adding notes. This can be further used to know where and what amount of your funds are being spent.
It's an intuitive software that's also user-friendly and comes with an easy to understand interface with some power-packed features. From repeat transactions, backup and restore, or choosing from multiple currencies to smart transactions or securing your data with a strong password, it offers a comprehensive solution for free.
It's a free personal finance software that offers a user-friendly experience without compromising on the useful budget tools and the financial reports. If you are among those who do not want to get into the complication of account numbers and passwords to download transactions automatically, this tool is for them. You can simply download the transactions from your bank website and import them, or input the details using the keyboard. You can even choose to make your saving goals public to raise funds or offering family and friends an opportunity to add funds to help your reach your goals.
InvoicePlane is a self-hosted software, that's available to download for free. This helps manage your quotes, invoices, clients and payments effortlessly. You can also customize your invoices using the several options, templates, and settings. It also offers you an option to set up 25 different payment providers allowing the customers to pay the invoices using online payment providers like PayPal, Stripe, etc.
It's a free app available online to help you view your financial transactions and forthcoming bills due on a calendar that's aesthetically color-coded. This online app not only allows you to create a sound budget, but also helps project your future finances.
From calendared reminders or knowing your income, expenses and day-to-day spending to viewing your account balance or planning for projected major expenses in advance, there's a lot more that it offers.
Supported Platforms – Linux, Solaris, Mac OS, and BSD.
Prism allows you to track your money and to pay your bills from anywhere, anytime. The best part is, that this app is completely free. The biller is paid directly with a single swipe of your fingers and so, there's no need to log into separate websites. There are absolutely no hassles and no delays. It also keeps you updated on finding a new bill, automatically. You can also use this app to check your account balances for savings accounts, credit cards, store cards, etc. Bonus – a simple, responsive, and easy to use interface that's looks equally good at the first glance.
Buddi is a compact tool that helps users manage their personal finances though quite effectively. It's biggest USP lies in the fact that it offers enhanced safety option for its users by encrypting the financial data with a passcode. Moreover, it's extremely easy to use and is perfect even for the beginners who have no previous experience in finance.
Tracking budgets, budget creation, or checking personal finance reports are among some of its features. Although, you will have to input the transactions manually, the ability to download free plugins and added features makes this free tool even more impressive.
Among the free online tools for budgeting and managing finance, Buxfer certainly has a strong presence. While you can analyse your shared expenses, debts, and split bills using this app, you can also keep a track of all your accounts at one, single place. Not just that, you can also download this app on your iPhone for free and get going with the numbers just anywhere, and at any given time.
It syncs seamlessly with over 10,000 banks worldwide without saving your online banking password for safety, allows you to upload bank statements from MS Money, Quicken, and other financial tools, and allows to enter transactions manually while on the go.
So, when looking for a GnuCash alternative, explore your options from the above list and get going with your budgeting and saving goals with these fabulous set of finance software.