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Banks complete first syndicated loan on blockchain ...
Syndicated loan blockchain - thebitcoinmag.com
BBVA Facilitates First Syndicated Loan on the Blockchain ...
How Blockchain can be used in Syndicated loans & How it works?
Introducing Blockchain In The Syndicated Loan Market - Law360
Notable Black People in the Bitcoin Community
We are now in an era where most people on the street have heard of Bitcoin and understand the very basics of what a cryptocurrency is. However, when many people think about users of Bitcoin, there's a stereotypical person who comes to mind. As the Black Lives Matter movement begins to take hold and sweep the nation demanding change, many people of color are quick to discount Bitcoin, but the reality is, there are many notable black Americans who abundantly use and support the currency as well as advocate that Bitcoin is for everyone.
https://preview.redd.it/2xarzpzh54851.jpg?width=1000&format=pjpg&auto=webp&s=61991aa0dd0b1760b94c0d9cf148765f4dbe91f2
When discussing Bitcoin in general, many people believe it's only for those anti-government libertarians who want to engage in illegal activities, but there's simply no truth in that statement. Bitcoin is simply a money transfer system backed by a public ledger and quantifiable technology. Have you ever used a pre-paid card? A payday loan? Or a currency exchange booth? Chances are, you have, and if so—well Bitcoin has the potential to offer a cheaper version of all of these currency services if used to its full potential. Shawn Wilkinson, the founder of Storj (a cloud storage service) advocates its massive potential especially in online microloans. He thinks that cryptocurrency as a whole has a lot of power to change the way even the most impoverished communities use money, regardless of race.
Edwardo Jackson
Edwardo Jackson is perhaps one of the most notable black Bitcoin enthusiasts out there. In fact, he is so passionate about the currency, he currently runs a blog called Blacks in Bitcoin. Jackson is a Las Vegas resident and professional poker player, but found his love of Bitcoin while he was a writer for Upworthy in 2013. Jackson believes Bitcoin is still in the early adoption phase and thinks that now is most definitely the time for anyone who is thinking of getting into it to buy in. Currently, Jackson has developed his own blockchain based technology known as CD3D which is a decentralized app-based token which you can use in a game where instead of betting on sports, or the outcomes of elections, you vote on actors and actresses and win money based on their box office performance. This game is still under development and you can check the CinemaDraft websites for updates on when it may be opened for play. Jackson prides himself in his Bitcoin knowledge and wishes to educate everyone about it, so much so, he even hands out his personal phone number to anyone who asks so they can call him if they have questions.
Richard Sherman
You read that right, Richard Sherman, NFC Championship playing defensive back, is a Bitcoin fanatic! Sherman was born in Compton; California and it became clear early on he was destined to be a sports player. He achieved many high school records not only in football, but also as part of his school's track team. Sherman received a scholarship to attend Stanford university where he played on their team from 2006-2010. In 2011, Sherman was signed by the Seattle Seahawks and played with the team for many years until 2018 when he signed a 39-million-dollar contract with the 49ers. He is very public about his love of cryptocurrency and his many investments in the technology field, so much so, he even takes Bitcoin for payment in his online store for all of his Seahawks and 49ers merchandise.
Reggie Middleton
Reggie Middleton is an American entrepreneur and CEO of Vertiseum. Middleton's claim to fame began in the early 2000's as a financial writer for the Huffington Post. In 2011, he left his job there to start his own company and blog, Boom Bust Blog. He was an early adopter of Bitcoin, citing that its ability to be quickly, and largely, transferred making it one of the best methods of currency currently on the market. He also advocates how safe and cheap it is to transfer Bitcoin as opposed to using cash or the banking system, which has many caveats and difficulties as well as rising costs. Just think, to make a transfer from one bank to the other you either need to withdraw cash and physical drive it from one bank to another to avoid massive fees. If fees don't scare you, you can wire the money, but this still takes gas, time, and often times there are limits on the amount you can transfer. Bitcoin solves all of these problems. Middleton loves crypto currencies so much, he founded Vertiseum, an Ultracoin technology. Although the legalities of his ICO are currently under scrutiny, Middleton still stands behind his advocacy of cryptocurrencies and posts many YouTube videos educating the public on the many uses of them in everyday life.
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Black Influencers to Follow
Want to learn more about Bitcoin before you dive right in? Understandable! There are many influencers of color who know a lot about the cryptocurrency world! Check out Dr. Boyce Watkins, a financial scholar who offers numerous courses in cryptocurrency for beginners as well as an internet club for investors. He also runs Financial Juneteenth, a cryptocurrency group specifically for black investors and it is currently one of the largest cryptocurrency-based communities on the internet, so make sure you pay it a visit!
Lamar Wilson is another notable influencer, widely known for building his own blockchain company Hijro, as well as a cryptocurrency wallet, back before it was even cool! He contributes abundantly to the Financial Juneteenth group listed above, as well as teaches a class about investing in cryptocurrencies on the Black Business School site.
Also follow Ian Balina, a man famous for his unique approach to ICO's thanks to his analytics background and former employment at IBM. He currently leads a global cryptocurrency investor syndicate, and posts content on YouTube, Twitter, and Instagram. Balina's content is so revolutionary that he has been featured in numerous articles in many different magazines, most notably Forbes and Huffington Post.
If after following all of these people you are still a little lost when it comes to cryptocurrency, don't worry! It's a confusing field at first. Just remember that cryptocurrency is for everyone and it make take time to learn about the ins and outs of the high-level technology. There are many websites which offer free guides you can take advantage of to help you find your way. So, subscribe to a few of them, investigate your questions, and you'll be a cryptocurrency pro in no time!
submitted by MintDiceOfficial to MintDice [link] [comments]
Blockchain : The future backbone of User Experience
The blockchain is the new age technology that is gaining attention for its features which were initially developed to give a boost to bitcoins. It is digital transactions (known as blocks) stored on the public database (referred to a chain). These blocks stores information about the operations, people participating in the transaction and a code or a "hash" that would help differentiate these blocks amongst themselves along with the hash of the previous block. Hash codes are digital information turned into a string of letters and numbers. Whenever the block is updated, it's hash code also changes.
The reason why this technology is here to stay is because of the benefits it provides to its users. It is a type of distributed ledger, i.e. identical records are stored on thousands of computers across the world. The document can only be updated when every participant agrees on it. This means the files are consistently checked and integrity is ensured. It also makes cyber-attacks difficult. The information stored in the form of a block is permanent. Whenever the block is updated, it's hash code changes, but the next block still stores the old hash code. To edit a single block, the hacker will be required to change all the blocks after this in the blockchain. This makes it more secure compared to another record-keeping database.
This technology also improves speed and traceability. The transactions on the blockchain create an audit trail stating every stop that asset made on its way. This helps in preventing fraud and provides legitimacy to the asset. This technology also increases the efficiency of the whole network. Since a single ledger is shared among all the users, reconciliation of multiple ledgers is not required. This increases the speed and settlements and clearing can occur much quicker.
Technical aspects of Blockchain
Blockchain protocols are a little different from the traditional protocols. There are a few unique characteristics associated with this protocol. This includes ledgers for distribution, encryption, integrated blocks of data and finally, the consensus algorithms. Distribution ledger is shared across several participants so that the data is decentralized. It is peer to peer network where each of the participants verifies every transaction is happening. Failure chances are minimized in this kind of system. Hashing and essential authentication techniques are used to encrypt the database through digital signatures. The consensus algorithm can be defined as an algorithm to bring every participant to an agreement of validation of the transaction.
Blockchain technology was introduced for the crypto-currency called bitcoin. Cryptocurrency is the digital asset and acts as a medium of exchange that uses encrypted codes to verify the transfer of funds. This technology enables users to confirm transactions without any interference from central authority. All the transactions are recorded on the blockchain. Hence that amount which is spent, and the new deals are verified.
Blockchain has changed the current scenario, and the same has taken place in healthcare and medicine sector. The healthcare sector has classical technology which is centralized, but it is also reaping the benefits of the decentralized system. Blockchain has made the storage of a variety of medicines even more secure and has improved the manufacturing process and control of drugs. It is also noticed that a considerable number of providers of blockchain healthcare software had gain access to the healthcare market. It helps in strengthening the procedure by recording down and storing the parameters and by providing audit-able series of production as well as shipment with details.
For pharmaceutical products, proper temperature control is vital as they are required to be stored under a certain temperature range. This range is crucial to be constant across the warehouse facility, during shipment and dispensing. This critical information is needed to be tracked in the complete supply chain with the temperature loggers which transmits the history of temperature to the blockchain which in return will ensure the stability of the product.
Blockchain's potential does not depend solely on the actual technology capabilities. It depends on the organization's willingness to adopt it. The technology has the competence to take the department of health care to real heights.
Blockchain had transformed the banking sector just like the internet changed the media. Blockchain technology is imbibed with all the features needed by a technique for the money matters, which is not only secure, transparent, safe and decentralized but also cheaper. It provides safe and secure exchange of data and money as well as allows its users to use the open network channel with low operating cost. These features made blockchain very reliable and demanding solution in the banking sector.
Blockchain in current banking scenario has helped in reduction of fraud, KYC (Know your Customer), smart contracts, clearing and settlement, trade finance, syndicated loans, payments, and online trading platforms. Companies like JP Morgan, Goldman Sachs have placed their faith in blockchain technology.
To Read more check the link : https://www.itbirbal.com/blog/blockchain-the-future-backbone-of-user-experience-377
submitted by Jaylaa07 to u/Jaylaa07 [link] [comments]
A 56-year-old American crypto millionaire will build a city, which runs on blockchain in the desert in Nevada, while the Central Bank of China aims to ban airdrops. For more details, read the report of Golden Island analysts. Stay in touch with the latest news.
We present to you the report filed by the analysts of our private club for November 5–11, 2018.
The key market events in the period from November 5–11, 2018
The share of cryptocurrency is only 0.013% of the entire money volume in the world!
The head of the financial regulatory authority of South Korea announced that cryptoexchanges that meet the requirements of KYC and AML are allowed to fully utilize the services of commercial banks to open virtual accounts. Earlier, following the results of the inspection, the authorities gave a green light to a number of Korean trading platforms and promised to lift the ban on ICO "in the near future."
Uzbekistan is creating an arbitration center to resolve blockchain disputes.
Anatoly Aksakov: Russian stablecoin could become an equivalent of the ruble.
The Russian branch of the leading cryptoexchange Huobi will be launched on November 12. This was announced on the Blockchain Life forum by the head of the representative office Andrey Grachev and the senior director of Huobi Global Edward Chen. The Russian office of Huobi will supervise the acceleration center for Russian blockchain projects, an educational program and the development of mining hotels.
The new governors of five US states — Colorado, California, Wyoming, Texas and Rhode Island — stated they support cryptocurrencies.
The Ethereum-development team led by Vlad Zamfir published a draft of white papers for Casper technology, which should provide scaling for the Ethereum network by switching to PoS.
The SEC will compile the guidelines in "simplified English" for ICO organizers. In particular, the guidelines would explain the criteria by which tokens can be defined as securities.
The Central Bank of China aims to ban airdrops. The bank believes that airdrops are used by Chinese crypto companies in order to covertly launch forbidden ICOs.
Mining pool BTCC Pool Limited is shutting down. All servers will be disabled on November 15, and the unit itself will be closed on November 30. All mined currencies will be paid to miners in due time.
BBVA, a large banking group from Spain, issued a $150 million syndicated loan on the Ethereum blockchain.
The SWIFT global payment system has denied rumors that it would employ the Ripple xRapid payment solution.
A 56-year-old American crypto millionaire will build a city, which runs on the blockchain in the desert in Nevada. The founder of Blockchains L.L.S. Jeffrey Burns bought 271 square kilometers of land at the beginning of the year. Apple, Tesla and Google hubs are located around the site. Burns has already invested roughly $300 million of his own funds and has hired 70 employees, according to The New York Times.
Kraken Exchange turned out to be the most reliable exchange according to the new rating of Bitcoin exchanges, which was compiled by Group-IB and the CryptoIns IT platform.
The government has prepared new rules for verifying user ID in instant messengers. Now they could be used only by the person who owns the assigned phone number.
Iran is ready to launch a national cryptocurrency due to disconnection from SWIFT
2. Market analytics from club experts for November 5–11, 2018
The last week was ambiguous, which happens a lot in the crypto world, putting people on the edge. The active and optimistic growth faded by the middle of the week and then started falling gradually with a slight stagnation as the end of the week.
The total capitalization of the crypto market grew from $209 billion on Monday to $220 billion on Wednesday, and then, as expected, bounced back to almost the same value — $209–211 billion.
The trading volume for the entire week week was slightly larger than the previous weeks: $14–15 billion, peaking at $17 billion BTC dominated the market at 51–53% all week without any drastic changes.
The price for 1 BTC dropped slightly by the end of the week: the Monday price of $6475 dropped to $6540 and climbed back to $6370 on Sunday — the value observed during the week before last.
Altcoins, both profitable and not in terms of fundamental analysis, paraded through the first half of the week, boasting explosive growth, though the second half made us recall the previous months of continuous decline with rare occasions of growth.
The crypto world is being torn apart by contradictions. Many put their hope on the launch of Bakkt and unanimous approval of ETF by various foundations, pre-fork (!) BCHABC temporarily exceeded the price of a parent chain on the Poloniex exchange, cryptocommunities experience all ranges of emotional spectrum: hysteria and panic, composure and confidence, aggression and depression. However, we hope that you have chosen the light side and calmly expect the start of a new wave, which is as inevitable as the Sun rising in the morning.
3. Changes in the cost and capitalization of the TOP-10 cryptocurrencies in the period from November 5–11, 2018
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4. TOP-3 growing coins from the long-term portfolio for November 5–11, 2018 (including portfolio updates)
The fastest growing portfolio coins: QuarkChain QKC +25% (a number of meetups), Mediblock MED +14% (collaboration with a large medical institution), Elastic XEL (a major update) и Stellar XLM +13% (updates, airdrop, expected listing on Coinbase). The worst performing coin (quite surprising, right?) is NKN -26% — the leader of the last week.
Want to be the first to receive news, updates from analysts and trade signals? Join @gitsupport channel and start earning with us!
submitted by Golden_Island_Club to u/Golden_Island_Club [link] [comments]
Mark Smith: CEO and Co-founder of Symbiont
Since Bitcoin's 2009 introduction, most media coverage has focused on the value of cryptocurrencies and speculation over their long-term viability in the global financial system. Many observers think this attention is misplaced.
Why? Because the focus on cryptocurrencies draws attention away from the more important underlying story of how blockchain technology is poised to upend back offices and fundamentally transform the landscape of institutional finance and capital markets.
Mark Smith, CEO and Co-founder of Symbiont, has been at the forefront of implementing permissioned enterprise blockchain technology. Symbiont's platform enables complex instruments to live out their entire lifecycle on a completely decentralized network with a single source of truth. Asset managers, banks and governments are working with Symbiont to develop new business lines, increase transparency, reduce risk, and save costs.
Specifically, Symbiont is working with Vanguard to transform multiple business lines; is working with a coalition of major banks and buy-side firms to speed up settlement times in syndicated loans (in a JV with Ipreo called Synaps); devising 'Smart Securities' for private companies, and working to transform the mortgage industry through its partnership with Ranieri Solutions, headed by father of the securitized mortgage market, Lewis Ranieri.
Mark will discuss Symbiont's initiatives, as well as the broader questions of how blockchain is set to liberate the truth in existing capital markets infrastructure, how legacy players are likely to react, and what the business leads can expect from the technology going forward.
Mark's talk will highlight how blockchain is more than just another 'shiny object' in a world of fintech fads. It's a technology that is here to stay and is set to significantly impact the structure of the global financial system, regardless of what happens with Bitcoin, ICOs, or any other cryptocurrency.
submitted by ThrowawayONT24 to BWCAC [link] [comments]
Cryptocurrency investment: Bitbose
What's up everybody WAJAHAT is here with another exciting blog on Bitbose. The Bitbose is for investment of cryptocurrency. The team of the advisors are Lalit Bansal as an Advisor, Naviin Kapoor as an Advisor, Krystelle Galano as an Advisor, Sydney Ifergan as an Advisor, Mark Kreimerman as an Advisor, Boris Otonicar as an Advisor, Laura Zaharia as an Advisor & Mahesh Chand as an Advisor. The team of the company is comprise of Nurul Islam as a Founder, Ravi Dutt as a Co-Founder, Weronika Sobańska as a CEO, Navdeep Garg as a CTO, Ankit Vats as a Creative Head, Ajay Taneja as a Marketing Head, Adamya Moudgil as a Marketing Manager, Riyad Islam as a Marketing Executive & Bharat Gandass as a Marketing Executive. It is the world best agency for the cryptocurrency investment. An Idea Creation, Understand problems of current market, Creating Whitepaper, Development of platform, Bitbose Token Creation, Development of ICO Website & Bitbose Token Announcement was accomplish in 2017. The Bitbose Exchange Development Starts, Coin Distribution, Exchange Listing, Token Distribution & Token Listing was accomplish in 2017. The Merchant Payment Gateways added & Mobile Wallet Launch was accomplish in 2017. The Apply for Licensing, Set up Mining Farm for Required Development, Exchange Beta Testing, Exchange Launch & Exchange Mobile apps was accomplish in 2018. The Integration with Payment Gateway, List as Bank, BOSE Token Website Launch, Pre-Sale Launch, Pre ICO Launch & ICO Launch was accomplish in 2018.
The Smart Portfolio Platform Development Start, Expand Patent Protection, File Suit against no. of Projects that are Infringive, Exchange Alpha Version Launch, Fiat & Other Cryptocurrency Added & an ICO Close was accomplish in 2018. The Exchange Mobile Wallet Launch, Exchange Alpha Release, Exchange Beta Launch, Data Collection & Storage Solution, Exchange Rate,News Website & Coin Updates Including ICO & Developing Syndicated BOT using AI will be done in 2018. The Crypto Loan AI Development, Smart Portfolio Beta Testing, Official Mobile App Launch, Merchant Payment Gateway, Launch International Debit Card & Add send Cash transaction like FB,Paypal will be done in 2019. The Blockchain & Bitcoin Conference will be accomplish in Oct 23rd. The Blockchain Summit in Dubai by BITIBEX will be accomplish in July 23rd. The Registration No of the company is 11177294. The Exchange Dashboard of BitBose is available which can purchase with BTC & ETH. The total tokens supply is 300 million. The 210 million Bose tokens are for Public Sale. The 48 million Bose tokens are for Founders. The 6 million Bose tokens are for Bounties. The 36 million Bose tokens are for Advisor or Marketing. In the case of denomination, the completed private presale includes ETC or BTC, the live presale includes ETC or BTC & Upcoming Token Sale includes ETC or BTC. In the case of Participants, the completed private presale includes Strategic Partners, the live presale includes Accredited Investors & Upcoming Token Sale includes Non-US/CA/CN/TW/HK Participants. In the case of time Period, the completed private presale initiated on 4th March and ended on 31st May, the live presale initiated on 1st June while ends on 15th July & Upcoming Token Sale initiated on 16th July while ends on 30th November. In the case of Min Contribution, the completed private presale includes 1000 BOSE, the live presale includes 1000 BOSE & Upcoming Token Sale includes 100 BOSE. In the case of Max Contribution, the completed private presale is Unlimited, the live presale is Unlimited & Upcoming Token Sale is determined by number of Registrants. Website link: https://www.bitbose.com/ Whitepaper link: https://s3.amazonaws.com/bitbose-documents/Update+bitbose+whitepaper-1.pdf
Author by: Apri222 Bitcointalk profile https://bitcointalk.org/index.php?action=profile;u=2011722
submitted by apritiara to ICOCryptoInfo [link] [comments]
Passive Income for the Average Trader?
A lot of my time during bear markets is spent researching. I aim to find new and exciting opportunities to make the most of unfavourable market conditions. A lot of these are coins with real world adaptions and strong fundamentals. (NANO, VEN, ICX)
One of my favourite ways to find articles I might normally miss is by setting up Google Alerts, every morning I wake up and check my email for a list of the most relevant articles based on my keywords. (Cryptocurrency, Blockchain, Bitcoin, Fintech etc.) This morning I was shown an article on Medium. "Top 5 Fintech Blockchain Projects of 2018" 4 of the 5 projects outlined were already in the top 50 of Coinmarketcap. Obviously this post isn't about any of those, it's #2, FIC Network. (https://medium.com/@professorpopo12/top-5-fintech-blockchain-projects-of-2018-17996ac95948)
From their website "FIC is a blockchain-based network that will enable users to list, buy, and sell any type of crypto or fiat fixed income financial instrument including: Loans, Bonds, Collateral Loan Obligations, Loan Syndication, Credit Default Swaps and Futures." Which essentially will allow companies to raise money from crypto investors in the form of bonds. The companies then pay back what they've borrowed to all investing parties with an added interest. I see it sort of like depositing fiat to your bank account and letting it collect interest.
With such unpredictable market conditions, if you're like me then you're trying to find the next best source of passive income, usually in the form of masternodes. However, passive income these days is ironically very expensive. I certainly don't have the capital to buy a VeChain X node, and personally don't feel the smaller nodes give enough of a return to be a worthwhile investment.
What I like about FIC is their claim for Expected Cash Flows (ECF's) which is a new type of investment vehicle that is easilly accessible to the average investor. The general idea is that when a user loans money through the network, it can then be repackaged with similar pieces of debt (maturity times, interest rates, loan amounts) and bought in pieces by multiple investors. As the debts get repaid, each investor knows they will have an expected cash flow of X amount per month, or even have the freedom to choose when they receive payouts (E.g Lump sum at Christmas) until the loan is repaid.
I see FIC potentially opening the door up to smaller stack investors like myself to receive passive income, without the insane initial capital requirements of Masternodes. Groups of investors could put forward what they want to invest, until the required amount is raised for the company, and then each individual receives a return on their investment in the form of interest. Sounds simple enough!
Is this coin on anyones radar? Have you found a similar project that I should be looking at instead? I'd love to create a discussion.
submitted by Southlane to CryptoMarkets [link] [comments]
General info and list of exchanges for FIC Network
ENG 한국어 HOME WHITEPAPER PRODUCT DEMO TOKEN SALE TEAM NEWS Bonds on Blockchain Issue and Invest in Fixed Income Assets with Crypto Pre-sale is over READ MORE ON MEDIUM Join the public sale Invest any amount REGISTER FOR THE PUBLIC SALE Soft cap reached Read more TELEGRAM
REDDIT Read the news FIC Pre-sale Status Announcement: ETH Raised & Mainnet Update FIC Pre-sale Status Announcement: ETH Raised & Mainnet Update More FIC Network: Mainnet Launch & SAFT Update FIC Network: Mainnet Launch & SAFT Update More Smith + Crown: FIC is uniquely positioned Smith + Crown: FIC is uniquely positioned More Astronaut Capital invests in FIC Astronaut Capital invests in FIC More Crush Crypto review: Good/Good Crush Crypto review: Good/Good More 1/10IT'S HUGE It's time to launch the largest financial market for the crypto economy.
The global credit and fixed income financial market exceeds $230 trillion USD, (3x the global equity market size of $70 trillion USD)1.
The global cryptocurrency market size exceeds USD $480 billion2 without an infrastructure for crypto credit and fixed income products.
FIC is a new blockchain infrastructure, designed to create a global crypto and fiat currency credit and fixed income financial market for all global participants.
FIC will accelerate global economic growth by enabling financial institutions, businesses, and individuals to lend and borrow crypto and fiat assets, and securitize crypto and fiat debt.
1https://www.statista.com/statistics/247092/transaction-volume-of-debt-securities-on-the-global-bond-market/ 2https://coinmarketcap.com/charts/ FIC is a blockchain-based network that will enable users to list, buy, and sell any type of crypto or fiat fixed income financial instrument including: LoansBonds Collateralized Loan ObligationsLoan Syndication Credit Default SwapsFutures 2/10IT'S COMING
A combined crypto and fiat fixed income market makes the future crypto market mainstream and sustainable. Existing crypto coins and tokens are operating as currencies or utilities without a fixed-income offering. A crypto and fiat fixed income market can sustainably drive the crypto market into mainstream usage. Better than the conventional fixed income market FIC's blockchain-based platform will allow users to list, buy, and sell any type of crypto or fiat fixed financial instruments avoiding the drawbacks of conventional fixed income markets such as friction, illiquidity, lack of interoperability, asymmetry of information and operational risks.
Merging crypto and fiat markets within one seamless network One, multi-currency, asset agnostic system with a built-in exchange allows users to operate in currencies of their preference, eliminating exposure to exchange rate risk and simplifying accounting. 3/10IT'S NO JOKE
Because we're up and running We don't just have a prototype, we have a business that already exists.
Because the market needs us It's only a matter of time until the fixed income market will migrate to blockchain.
Because the market trusts us We have a full time team backed by world-class advisers, prominent investors, business media and conference presence. AS SEEN IN:
4/10THE MAKERS AND DOERS Arturs Ivanovs, FoundeCEO
Arturs Ivanovs is the founder of FIC Network, a fixed income infrastructure for cryptocurrencies and blockchain assets. He started the company in 2016 when he moved to New York City, attracting investments from Startupbootcamp Fintech NYC, Boost VC and other prominent investors.
He serves as advisor to Turing Funds, the first mainstream exchange traded fund of cryptocurrencies.
Before getting deeply involved in blockchain technology in 2015, his background includes fintech regulation in European Union. Arturs holds LLB in Law and Business from Riga Graduate School of Law.
Alvar Soosaar, Co-foundeCOO
Alvar is an experienced executive in the structuring and management of fixed income securities and portfolios. He previously managed a $7.8 billion portfolio of fixed income securities. He is an investor with over 20 years of experience in a variety of asset classes, including a particular interest in and involvement with early-stage startups.
Alvar holds an MBA from the University of Oxford's Saïd Business School and BA from the University of Virginia.
Ismail Malik, Advisor
Ismail is an ICO strategist and chairman of Blockchain Lab in London, UK. Blockchain Lab acts a specialized crypto development project partner for existing DLT projects. The Lab has a strong focus on R & D, primarily researching, secure embedded smart contract trusted execution environments on the Ethereum, Bitcoin and Corda blockchains.
Ismail is regarded as one of the World's most influential people within the Blockchain industry.
moreSEE ALL OF US 5/10HOW IT WORKS One coin to rule them all — a complete infrastructure for fixed income market on blockchain.
Expected Cash Flows (ECF) Investors can buy and trade single installments of loans. Multi-currency and crypto Conventional lenders will be able to receive investments in crypto. Blockchain transactions Auditability and transparency enables price discovery and opens vast amount of credit data. Instant Settlement The ledger closes and reconciles every 4-10 seconds instead of 3 and more days. moreDOWNLOAD WHITEPAPER 6/10SEE FOR YOURSELF Explore the demo version. moreDOWNLOAD THE APP 7/10YOU READY? The FIC Coin COIN NAME FIC HARD CAP USD 16m SOFT CAP 3,500 ETH FIC PRICE USD 0.0002 TOTAL COINS FOR SALE 150,000,000,000
Pre-sale: Ongoing Public sale: Coming Soon moreSALES MECHANICS 8/10WE'RE READY Roadmap Since the creation of the prototype in 2016, we have received investments from various leading fintech, crypto and startup investors as well as formed a full time team and launched an Alpha version of our app. ACHIEVED Q2 2016 Prototype idea drafted ACHIEVED Q2 2016 Factury Inc. Delaware Incorporated ACHIEVED Q2 2016 Startupbootcamp NYC TOP10 team worldwide ACHIEVED Q3 2016 BoostVC, the World's leading blockchain accelerator, invests ACHIEVED Q1 2017 Bialla Venture Partners invests ACHIEVED Q1 2017 European reach: subsidiary formed ACHIEVED Q1 2017 Full time team ACHIEVED Q3 2017 Testnet & App Alpha version ACHIEVED Q4 2017 Newblock fund & fintech angels invest UPCOMING Q1 2018 Token Sale Q4 2018 FIC Network & App Launched 9/10SEE YOU SOON Events & Roadshows Tokyo, Japan 6-10 MAY Seoul, Korea 29 APRIL - 5 MAY Seoul, Korea 2-7 APRIL TokenFest San Francisco, CA 15-16 MARCH London 8-9 MARCH World Blockchain & Token Summit Dubai 4-5 MARCH GibFin 27 FEBRUARY - 1 MARCH
moreCONTACT US 10/10KEEP AROUND READ THE NEWS
REDDIT Subscribe to our newsletter
Enter your Email Terms of Use Privacy policy Terms of Token Sale Important Note: An investment in our SAFT or FICs (the "Coins") involves a high degree of risk and uncertainty. You should consider carefully all of the risks including, but not limited to, the risk the Company may not successfully develop the FIC Network or may cease operations all together, the risks related to investing in untested technologies and startup companies, the risks related to illiquid and volatile investments like Coins, the uncertain tax and regulatory treatment of Coins, the risks related to the security and stability of the Ethereum network, the risks related to coin wallets and exchanges, and the risks related to a coin holder's lack of governance rights. YOU SHOULD CONSIDER THESE RISKS TOGETHER WITH ALL OF THE OTHER INFORMATION CONTAINED IN OUR FULL TERMS OF TOKEN SALE AND SAFT BEFORE MAKING AN INVESTMENT DECISION. This site or product includes IP2Location LITE data available from http://lite.ip2location.com.
submitted by cryptoinvestor2020 to FIC_Network [link] [comments]
Spain's BBVA has completed the first syndicated loan via the blockchain. Syndicated loans are loans provided by a group of lenders who collaborate in order to provide funding to a single borrower. According to a report in yesterday's Financial Times, earlier this week BBVA utilized a private blockchain to facilitate a syndicated loan to the value of $150 million for Spain's electricity ... Syndicated Loans The syndicated loan market, also called the leveraged loan market, is an area in which blockchain technology could have tremendous potential. In the syndicated loan market ... Syndicated loans were ... blockchain technology is the basis for cryptocurrencies such as bitcoin. Banks have seized on the technology, which allows multiple parties to have simultaneous access to ... A group of banks and finance firms led by Credit Suisse have completed the next phase of a blockchain proof-of-concept focused on syndicated loans. This came into existence to carry out a successful demonstration of how blockchain can be used for syndicated loans. The banks that took part in this demonstration are all R3 consortium members. Banco Bilbao Vizcaya Argentaria (BBVA), Danske Bank, Royal Bank of Scotland, Scotiabank, Société Générale, State Street, U.S. Bank and Wells Fargo represent the sell-side firms.
OpenLaw - Automating Syndicated Loan
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text:
Cops in togs nab wanted man during mid-winter swim
Tuesday, 18 June 2019, 12:07PM
Moon TV
By: Peter de Graaf
A wanted man in Northland found out the hard way there's no such thing as off-duty cops — even when they're in their togs.
Whangārei's road policing unit was in the Far North on Sunday as part of a five-day operation targeting speed and restraints when the officers heard a mid-winter swim was about to take place in Paihia.
Acting Sergeant Rob Eke said he ''pretty much'' talked the younger officers into taking part as a community engagement exercise.
''Well, I told them they had to do it,'' he admitted.
Six officers took the plunge, adding to the challenge by donning their uniform shirts and trousers over their togs before swimming to a pole 100m offshore and back.
''We'd finished the swim and were waiting for prizegiving when we became aware of a guy walking along the beach. We'd dealt with him earlier in the week and he was wanted by police,'' Eke said.
The officers abandoned the prizegiving and threw their stab-proof vests and radios on over their still-wet togs.
In the meantime the man had made himself scarce but he was soon located on nearby Kings Rd, where he was arrested by a group of officers in beachwear which included a fetching pair of floral-print board shorts.
''He was probably a bit surprised to see us like that,'' Eke said.
It was fortunate the alleged offender didn't try to run because the officers were wearing wet jandals.
The Paihia man was charged with breach of bail and spent the night in custody in the Whangārei police cells. He was due to appear in the Kaikohe District Court on Monday.
Mid-winter swim organiser Karen Markin said 67 people took part in the event, which had been held on the shortest Sunday of the year for the past nine years.
Wetsuits are banned during the dip, which is followed by spot prizes, home-made soup and mulled wine.
The event draws some highly competitive swimmers but most take part for fun with many donning fancy headwear.
Markin said conditions this year were ''positively balmy'' with an air temperature of 17 degrees C and the water at 14.6C.
''It was good to have the police there, it showed them in a different light,'' Markin said.
The prize for the last swimmer to finish was awarded to police officer Nicola Anderson.
The fastest swimmer was Archie White of Kerikeri in 2 minutes 51 seconds with Pip Holland of Orewa the first woman in 3 min 40s.
Nadia Lehmann of Opua took out the prize for best headwear.
The event raised $247 for St John Ambulance.
This article was first published on nzherald.co.nz and is republished here with permission
Introducing F*ck-All 45
In 1982 Cricket was declared to be scientifically impossible
Former Zimbabwean cricketer Henry Olonga can sing like a mother f*cker!

redpajama_set_name: RedPajamaCommonCrawl


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Inspired by colour palettes like Gerhard Richters "4900 Farben" or Damien Hirsts "Spot" paintings I aranged 44 individually coloured ice cream scoops on 100×70 cm wood panels. All using crazy FX Spraypaint and have a high gloss finis with pured resign.
super yummy! Ask for availability, I usually make a batch of these every here and then. they look and sell good.


text:
MTSU 'Salutes' Veterans with Nov. 22 Game-day Activities
WMOT
MTSU will serve as host for the 33rd annual Salute to Armed Services and Veterans Day Saturday, Nov. 22, in Floyd Stadium and other nearby venues.
The activities, which will begin with the Veterans' Memorial Service at 2 p.m., will be a prelude to the 6 p.m. kickoff for the Conference USA football game between MTSU and Florida Atlantic University.
The Salute to Armed Services events pay tribute to the men and women who serve or who have served in the U.S. Army, Navy, Air Force, Marines and Coast Guard. The Blue Raiders want you to join them in one of the nation's longest-running veterans' celebrations.
Various streets near the stadium will be blocked. To locate parking, a printable campus map can be found at http://tinyurl.com/MTSUParking14-15.
All veterans and their families will receive complimentary tickets to the game. The tickets will be available during the Veterans' Picnic, which will be held from 3:30 to 5:30 p.m. near the Rose and Emmett Kennon Hall of Fame next to Murphy Center.
The day will be filled with numerous events for veterans, including:
• 2 p.m. Veterans' Memorial Service at the MTSU Veterans' Memorial outside the Tom H. Jackson Building. Many-Bears Grinder, commissioner for the Tennessee Department of Veterans Affairs, will be the featured speaker;
• 2:45 to 4:45 p.m. silent auction benefiting A Soldier's Child inside Kennon Hall of Fame. Items will include an autographed guitar from the ABC television show "Nashville;" an autographed fiddle from country music legend Charlie Daniels; a signed Salute to Armed Services edition MTSU football helmet; and Mizuno golf clubs;
3:30 to 5:30 p.m. Veterans' Picnic featuring hamburgers, hot dogs, chips, cookies and drinks. The game tickets for vets and their families are courtesy of State Farm and Barrett Firearms.
4 p.m. presentation of the Joe Nunley Award at the Kennon Hall of Fame. This year's recipients will all be World War II veterans. The award is named for the late Nunley, a World War II vet who was an MTSU education professor beginning in 1961 and who retired as alumni director in 1987. He died in 1993; and
4:30 p.m. start for the Vets Village, which will be located in Floyd Stadium's Gate 3. Presented by the U.S. Department of Veterans Affairs and the Tennessee Valley Healthcare System, the village will provide vets and their families with opportunities to obtain information and receive answers to questions.
JT Cooper will perform the national anthem. Skydivers will deliver the game ball. At halftime, the more than 300-member Band of Blue will perform special patriotic music as veterans march across Horace Jones Field with other members of their service branches.
Fans attending the game are requested to bring new toy donations for the Toys for Tots collection bins. Duiring pregame and at the beginning of each of the four quarters, each of the respective branches of military will be recognized.
Textbook Brokers will be offering 20 percent off any one item with the purchase of the Salute to Armed Services game-day T-shirt.
Participating organizations include MTSU ROTC, Toys for Tots, State Farm Military Affinity Group, BRAVO (Blue Raider American Veterans Organization), USAA Military Affairs, School of Agribusiness and Agriscience, Vet Tix, Fisher House and Dr. Joe Nunley Award Committee.
Other participating organizations include Rutherford County, Wounded Warriors, Veterans Affairs, VA Nashville, MTSU Veterans Affairs coordinator, Veterans Group-Shelbyville, Vietnam Veteran Chapter 10, Brand Mortgage, A Soldier's Child, Tennessee National Guard and VFW/American Legion.
Veterans walk across Horace Jones Field in Floyd Stadium during 2013 halftime ceremonies while the MTSU Band of Blue performs. (Submitted photo)
For more information or to order tickets, call 1-888-937-6878.


Hey, Nicole. Thanks for visiting Denny's and giving us a perfect rating. We feel super awesome to know of your great time with us. We are waiting of your next visit soon.
It wasn't a great service as we've gotten before, we got our food about an hour after when they had said it would be ready in 20. It had special instructions on not adding cheese to put on the side and it had it on it. Husband asked for a discount since he waited and they said next time you come ask for manager tj for a discount. I don't think it was profesional in any way.
Hey, Chary. We would like to apologize for your recent experience with us. At Denny's we most importantly believe in customer satisfaction. We are disappointed to know of your bad experience. This is an uncommon instance that has happened with you. We would like another opportunity from you to make things right in the future. We would also like to send you 2 gift cards in the mail and would like to request for your mailing address. Please share the details at prashant.sharan@e2solutions.com.
Hey, Glenn. Thanks for visiting Denny's and giving us an opportunity to serve you. We would like to apologize for your recent experience with us. However, we would love to hear more about your experience, so that we can use your valuable feedback to deliver an even better experience next time. Please reach out to us with your suggestions at prashant.sharan@e2solutions.com. Hope to see you soon with 5 stars rating in the future.
Order was On Time, Accurate and Delicious.
Hi, I wasn't happy with my recent order. One of my pancakes and hash browns were burn. I was really disappointed because I was craving this breakfast for a week. I tried to eat it but it was too burn and end up throwing it away. I could not return it to the restaurant because I was taking care of my baby. I'm just letting you guys know.
Food was great but online take out experience was disappointing. When I stepped foot in the the restaurant(@4:29am) the waitress asked if I was dining in or online take out. I told her I came to pick up my online order. She said that they just started cooking my food, due to the online order printed on a different printer other than the printer in the kitchen. She said the barely seen it and gave it to the cook right away. In result of this, I wasn't able to get to work on time. I waited almost 20mins after the scheduled pick up time.
This was the worst experience I've ever had with Denny's. I am skeptical of any food delivery services (other than pizza) because if it. At 8:30am on Sunday September 2nd I ordered at the Denny's located in Port Hueneme for delivery. I received a confirmation that it would arrive by 9:30. I waited outside and nothing. Not even updates to the status of my order. So I called the restaurant at 10:00 and I was told the driver hasn't shown up, no food is out and they can't help with online orders. At 10:30 I received an email saying my delivery was cancelled. I was still charged for the food I never received and for the delivery fee. I am really upset not only at the situation, but more so that I was told by Rosemary (the Denny's employee) that there's nothin she can do for me. How is this any way to run a business? You paid for the food, you're not getting it and I can't do anything about it. I even asked for a cancelation of my order and was told no. I'm extremely disappointed. I enjoy Denny's food and am very sad that I have no intention to return to that location ever again, as it is near my home. I am very dissatisfied with my experience.
Horrible service had an online order and tried to cancel and I spoke to multiple workers over the phone and nobody was able to help me all they said was idk what to tell you we don't have the power to cancel your order, so I called multiple locations in tucson asking there procedure to cancel an order and all of them said we can cancel it for you right now. I was charged for an order I didn't receive worst experience iv ever had.
Services is fast and friendly my food is always accurate, buuuut it's always cold , stone cold. But otherwise keep up the great work !
Thank you so much for sharing your experience and feedback with us. While we are delighted to hear that you enjoyed some aspects of the dining experience, we apologize for the inconvenience caused to you.
We have addressed your feedback with the team, to enable them in offering a higher level of culinary experience to the guests.
This location is always very busy especially on a Saturday and Sunday morning. So with that said I typically have to be patient when it comes to picking up an order. For this experience, we tried to order online through the app. However the app was experiencing technical issues. Apparently there may have been an issue when my Dennys rewards was set up, so it prevented me from being able to use the app. After much time wasted trying to figure that out, we than had to ultimately purchase as a "guest" via the standard website even though we have a Dennys rewards account. Again, issues logging into our account to order. Upon the pick up of the food, most of the staff was standing around talking amongst each other and not greeting me upon arrival. There was a terrible long wait line for dine in and one would think the easiest thing to do would be get online orders out of the way quickly. Once I was finally acknowledged for the pick up order, I did not get given my complete order in full. It was full of people, the staff was rushing, my patience due to the masses as well as lack of poor attention by the wait staff caused me to forget that I also had a coffee and orange juice included with one of my meals. It wasn't until I was already in the car back on the road reviewing the receipt that I realized they failed to give me the complete order. Due to the recent experience inside to pick up the order the last thing I wanted to do was turn back around, go back to the line and deal with the pick up of the orange juice and coffee. The most bothersome part of this experience is I specifically picked that meal as it did come with drinks. Of course I should have remembered to request those but it is also up to the wait staff to ensure orders are accurate. And with the commotion of the restaurant I would have appreciated their attention as this is actually their job to ensure the customer has what was ordered. I did rate this entire transaction a 3 because the food was good, albeit a bit cold. However I likely will order from ihop next time in order to avoid this lack of detail and lost money from happening again. If you do plan to order and pick up, be aware you are responsible to make sure you received all items and do not depend on the team to ensure your order is accurate.
Look forward to welcoming you back soon.
Food was really cold, but service was 5 stars. The guy that helped me was very nice n fast. Just a lil disappointed that my food was cold. Even the coffee.
Thank you so much for sharing your experience and words of appreciation. We are humbled and delighted to know that you enjoyed the cuisine and our hospitality.
I waited a very long time. One meal was missing when I was told order was ready. Food was cold by the time I got home.
Thank you so much for sharing your feedback with us. We apologise for not having met your expectations and assure you that the points shared by you have already been addressed with the team, to enable them in offering a higher level of dining experience to our guests.
i really enjoyed the timely service and the attention to detail.
Gave my order to another person.
Thank you so much for sharing your experience and feedback with us. While we are delighted to know that you enjoyed some aspects of the dining experience, we sincerely apologize for not having met your expectations completely. We've shared your feedback with the team to enable them in addressing the concerns in order for us to offer a higher level of culinary experience to our guests.
App worked great and my food was ready in less than 20 min. Food was good and hot.


Grabbing the latest Off-White x Converse Chuck Taylor All Star Virgil Abloh is the smartest choice you'll make this season. This collaborative release holds all the glamour and comfort in its finely crafted compartment. Sweet and soft colourway refreshes your mind instantly!
Abloh and big kicks go quite along. His passion for basketball and basketball sneakers is undying! Chuck Taylor's Converse sports shoes got his attention for his upcoming "The Ten" collection. Sneak freaks are about to get the best sneaker of all time with the collision of two massive lines! Abloh's Off-White and Taylor's Converse, both the styles are absolutely perfect for a street swagger or even for a party-ready gentleman. Get in on the hype ship for this classic beauty.
The whole shoe is coated with icy translucent white overlay all over the body and the Converse print is visible from the sidewall. Here the layer is kind of like polymer sheet so that the print pops up from the clear side panel. This shoe's construct resembles Chuck's style from tip to toe and Abloh's industrial-inspired touch shows up when a red synthetic cable tie locks itself on white laces. Clear midsole reads an oversized VULCANIZED text.


If you like to change your car often, then this personal contract purchase plan (PCP) has the Advantage. By deferring part of the cost to the end it means you can reduce the length of your agreement, and at the end you have the flexibility to keep, exchange or return your vehicle.
This plan enables you to fix the cost of your motoring over a flexible period from 2 to 4 years. The monthly payments cover the hire of the vehicle and the road fund license for the period and there is the option to add a service and maintenance package. At the end of the agreement, you simply hand the car back.
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Personal and Business Contract Hire is provided by Santander Consumer UK PLC trading as Volvo Car Financial Services. Subject to status, applicants must be 18 or over.


text:
Inspectioneering Journal
PSM Regulation Citations: Trends in OSHA PSM Enforcement
By Rolland E. Stroup at JBF Associates, Inc. This article appears in the May/June 1996 issue of Inspectioneering Journal.
Codes and Standards are the rules and regulations released by both governmental and non-government agencies in order to establish an agreed upon method of operation for conducting business. A proficient understanding of the codes and standards within each discipline is important...
Process Safety Management (PSM)
Process Safety Management (PSM) is a regulation issued by the U.S. Department of Labor's Occupational Safety and Health...
OSHA PSM Citations for Mechanical Integrity
May/June 1995 Inspectioneering Journal
The United States Department of Labor (USDOL) Occupational Safety and Health Administration (OSHA) standard 29 CFR 1910.119, "Process Safety Management of Highly Hazardous Chemicals," has been in effect since may of 1992. To enforce this...
Since OSHA began issuing citations under the Process Safety Management (PSM) standard (29 CFR 1910.119), the relative frequency of citations related to some subsections of the regulations has increased dramatically, while the frequency of others has decreased just as dramatically. Has OSHA changed its focus over time? Will there be new trends in the future? These issues can be better understood by looking at citation history and the continuing deadlines built into the regulation.
I. OSHA PSM Citations From May 1992 to May 1995
Federal and State OSHA Programs cited 384 establishments for 1,843 violations of the PSM standard during the first 36 months after its effective date (May 26, 1992). This reflects an average of approximately 5 violations per PSM-cited inspection, covering the full range of inspection types (regularly scheduled, complaints, catastrophes, etc.). Table 1 lists the total numbers of cited violations under each of the 14 subsections of the PSM regulation.
Table 1: OSHA PSm Enforcement (All 14 Subsections)
The overall data provides useful information about citation emphasis during the first 36 months of enforcement of the PSM standard. Clearly operating procedures, mechanical integrity, and training have been major concerns, together making up nearly 50% of all the cited violations. The industry should also focus attention on the next five items in the table (employee participation, contractors, process hazard analysis, process safety information, and management of change), which together comprise over 40% of the cited violations. Through May 31, 1995, the remaining six elements make up only 10% of the citations.
II. Trends in OSHA PSM Citations
From time to time, JBF Associates, Inc. (JBFA) and the Process Safety Institute (PSI) have compiled summaries of OSHA citations of the PSM standard. The different periods of time covered by the summaries are not of a consistent length, so care needs to be exercised in interpreting the data; however, JBFA and PSI found comparisons of the data to be of interest, and the data are used in this article to illustrate areas that OSHA has focused on (and that industry probably should focus on, too).
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Rolland E. Stroup at JBF Associates, Inc.
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Analysis of OSHA PSM Citations
III. Future Trends In OSHA PSM Citations
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What is the fine structure constant at Planck energy?
Is this (Verlinde-style) lower bound for the fine structure constant correct?
Many papers show how the Weinberg angle (the weak mixing angle in the electroweak interaction) changes with energy / momentum transfer. One is https://arxiv.org/abs/1107.4683 and shows that sin^2 theta_W starts at 0.238 at low energy, reduces to 0.232 at around 100 GeV and goes back to 0.238 at 1000 GeV.
But the curves stop at around 1000 GeV. Is there a theoretical prediction about how the value changes for higher energies / momentum transfers? I am looking for a curve that ideally would go up to Planck energy - or at least to the GUT scale.
The running value of any constant is not known beyond the latest LHC energy. There are predictions from Grand Unification Theories, most notably Supersymmetry, that state the value of sin2 theta_W of 3/8 for the GUT energy scale however that is close to the Planck scale but not exactly there. The GUT energy scale is estimated around 1016 GeV and the Planck scale is around 1019 GeV.


The artwork of Suh Seung-Won (b. 1941) presents the theoretical basis for Korean modernism. As a painter in the Dansaekhwa art movement, his work has remained loyal to the limitless theme of simultaneity for over 50 years. Suh explores visible and invisible reality by creating canvases which appear monochrome from a distance, but upon closer examination are revealed to be composed of a variety of colors.


text:
Leung King may refer to:
 Leung King Estate, a public housing estate in Tuen Mun, Hong Kong
 Leung King stop, an MTR Light Rail stop adjacent to the estate

redpajama_set_name: RedPajamaWikipedia


This post from Nate is just weird.
As you recall, in my last post on affordability issues, I basically accepted Nate's selected source for family expenses–BLS data–and showed that even still this plan was unaffordable for a middle class family with child care costs.
But what's remarkable is that, even assuming Nate's numbers are correct and mine are high, those numbers still show that this plan is unaffordable for a family of three paying some child care.
Nate's post completely ignored that part of my post, completely ignored that I had used BLS data for housing, completely ignored that I had eliminated all income taxes for this family, completely ignored that I specifically backed out BLS data for health care and replaced it with an unrealistic 7.9% charge (indeed, that was one of the big mistakes he had made in adopting the BLS data in the first place, as I pointed out in my post) and still shown the program to be unaffordable.
Either Nate has now decided that the BLS data is no longer valid, or he doesn't want to engage with that part of my post.
But on his other costs, here are some points.
Nate argues that my original estimate for taxes was too high (which, of course, I accepted in the second post). But then he has calculated those taxes making them less than the FICA taxes (7.65%) for this family. And he does that even while hypothesizing that one of these family members might be self-employed, which means the family would face FICA taxes of 15.3%. Note also, Nate assumes that this family owns their house and calculates mortgage deductions accordingly, which is probably an unsafe assumption for all middle class families in this day and age; 27% in the BLS data, for example, are renters. So while I'm happy to use the BLS numbers (which, after I got rid of all income taxes became basically just FICA), let it be said that Nate ignores two possibilities that would make those taxes go much higher.
Housing: This is still the most significant difference — I had figured housing costs at about $10,000 based on BLS data, versus Marcy's estimate of $19,275. Marcy points out that the a higher propotion of people in the BLS dataset I used will have paid off their mortgage, but that's still just one-fifth of the BLS's sample, so it's not going to make a huge difference. But let's bump up my estimate to $12,000 — or an even $1,000 per month — to account for this, as well as for the fact that a family with two children might want some extra square footage.
Now, if you just figured out what the BLS numbers gave you without the people in the sample who owned their own home outright, it would show that the remaining 80% would pay $12,577, already higher than Nate's estimates. And that's assuming the 4-person families are living in the same size housing that all the singles in the BLS sample are living in, so on that basis, the number is still likely higher.
But let's do this another way. I live in a house that was–when I bought it in 2002–almost exactly the average price of a house in this country. After losing value over the last several years, it is now worth somewhere between the average national price and average price for a midwestern house. I have not refinanced since I bought it, but when I bought it I put 20% down and had near perfect credit–almost certainly far better off than the middle class families we're talking about. Admittedly, Ann Arbor's property taxes are crazy, which adds a lot to monthly payments. So assume my better-than-average mortgage cancels out Ann Arbor's exorbitant tax rates. And yet I still pay a few thousand more than the $12,577 you'd get off of the BLS numbers. And my house is average or below average in other ways, too–it's 50 years old, in average condition, just 1,000 square feet, has just one bathroom, and the third bedroom makes a much better office than a bedroom. All three families who lived in this house before I did were just like the middle class families I'm talking about (though one was a single mother). In other words, this almost perfectly average house, with higher property taxes but lower credit costs, costs several thousand more than Nate has calculated.
Child Care: Marcy's data says that pre-school care costs $6,216 per year, and infant and toddler care costs $7,936 per year. Assume that each child needs three years of infant care and three years of pre-school care out of an 18-year childhood. If that's the case, the family will spend $2,358.50 per year per child on average, or $4,717 on average for two children. Also, while Marcy asserts that her estimates are high, not all families will have to pay for day care. Even if both parents are working, some families may be fortunate enough to have a free or discounted child care program available to them via a church, employer, or municipality, or may have older relatives living nearby to take care of the children during the daytime. Or, if one or more of the parents works from home — which will be the case fairly often for someone in the individual market — they may be able to take care of the toddlers themselves and still earn a paycheck.
Now aside from the fact that Nate strains to average this out–ignoring that if both these kids are in child care in a year the costs will be at least $12,432, meaning this family would have to find a way to pay for much higher rates in several years of that average, there are several other bizarre assumptions Nate makes to bring child care costs down. He assumes that a family that doesn't get health care through an employer might get child care through that same employer. He assumes that several discounted child care options aren't included in the child care averages I used. Most curiously, he assumes that children don't need after school care between the time they go into kindergarten and the time they turn 13, when most states consider them capable of watching themselves (after school care for two in Ann Arbor's school system would cost at least $100 a week, or about $3,900 for the school year, and that doesn't account for summers). He has basically chosen to just eliminate many of the realities that working families face when trying to care for their children and in so doing uses an estimate several thousand lower than it probably is.
Also note what Nate has done with the BLS data. He has ignored all the other costs included in it. I guess that means he has ceded my point–that these middle class families aren't spending the $2,936 BLS says they would on entertainment (not even on cable TV). But that also means he is dismissing the $2,343 BLS says a family of 2.7 (with just .7 kids) would use on housekeeping and clothing, as well as the $1,322 BLS says this family would spend on personal care products, reading, and education.
There's simply no way that you can provide $6,000 or $7,000 per year in subidies to a family like this one, for insurance that has an actuarial value of 80-85%, and leave them worse off — not unless the family has better genes than Brett Favre.
It's not. If it did, it'd be a whole lot more affordable and I might not be harping repeatedly on affordability, because it'd mean families would use up out-of-pocket expenses more slowly, and could afford to actually use the care they had paid for in premiums. Instead, the Senate bill bases subsidies on silver plans, which have an actuarial value of 70%, which means families will have to pay a lot more for actually using the care they had paid for than Nate envisions.
Now, these quibbles about data would be meaningless except for one thing. Setting aside differences on taxes, setting aside the $6,601 in costs for a family of just 2.7 that BLS includes that Nate ignores, and just focusing on the two biggest differences between us–housing costs (using my own costs) and child care, which together amount to about $4,000–and this family would still be required to spend more in out-of-pocket charges then they had left over after their other expenses under the Senate bill. So even assuming (as Nate appears to have) that this family would live in a one-bedroom house and have kids watch themselves after school, this family is still going into debt with a significant medical event. Add in the $6,601 in charges that Nate ignores but BLS includes, and this family quite literally has almost no money with which to pay any 30% out-of-pocket costs.
Now, just two final points on this passage in Nate's post.
I don't want to get drawn into a sematic debate about what is "affordable" — particularly when I agree with Marcy that the health insurance for working families should be made more affordable before President Obama signs this bill.
Nate appears to want to retreat into the question of whether this is "better" than the status quo (as I said in my last post, we're addressing different issues). But that allows him to avoid a very big question. We are mandating that this family pay for premiums. But–even according to BLS data–this family would simply not be able to fully use the service they had paid a significant amount of money for. That means we are asking them to use up their remaining discretionary cash but not ensuring they'll get the care they need in return, because the plain math of it (assuming they're not relegated to a one-bedroom house with young kids taking care of themselves after school) shows they will have little money left over to pay the 30% out-of-pocket expenses. Sure, they'd use the health care in catastrophic events, they'd get yearly check-ups in exchange for their premiums, but they simply would have to forgo care that wasn't emergency care, because actually getting much care would put the family into debt. In MA's similar program (PPT), 21% (about 19% of whom must have insurance) forgo care, and over 16% of families are struggling with medical bills. Where have we come as a society when we are taking away $5,000 dollars from a family that can ill-afford it (and allowing insurance companies to use 20% of it on profit and marketing) with the understanding that they won't actually be able to use what they're supposed to be getting in exchange?
Then, finally, there's Nate's claim this bill should be made more affordable for working families before it becomes law. How does he propose doing that, after having spent the last couple weeks pushing the Senate bill? The House bill is actually worse for people at this income level than the Senate bill, and Nate has spent a lot of time explaining that the Nelsons of the world won't accept substantive changes. At the very least, improving on affordability requires discussing it as such, rather than dismissing it as semantics.


WinX MediaTrans is a must-have iPhone and iPad media file manager for Windows in order to sync photos, videos, music between computer and iOS device more smoothly. Check out the complete hands-on review!
iTunes is a huge media player, media library and online radio broadcaster. Besides, it works as a handy mobile device management application. However, Apple's media player is not perfect and has some drawbacks. Case in point, it's not quite straightforward in letting you manage media. That aside, it lacks an intuitive user-interface; especially for handling photos, videos and music more efficiently.
Gone were the days when iTunes was a liability for you! Enter WinX MediaTrans—the most competent iPhone and iPad media file manager for Windows. With the highly intuitive user-interface and reliable functionality, MediaTrans is rated as a more effective alternative to iTunes for PC. So, what makes this iOS media manager stands out and whether giving a try?
Right from the moment I started using MediaTrans, the first thing that caught my eyes is the easy-to-use functionality. It keeps things simple; allowing you to carry out your task painlessly. The user-interface is designed to be intuitive so that you feel at home while getting your work done and there is no hassle at all.
With WinX MediaTrans, you can manage the media files on the iOS device more comfortably. It allows you to edit, organize and transfer files with ease.
Many a time I have found my non-iTunes songs not playing after I have synced them via iTunes. But with this media manager, there is no such problem in transferring songs from computer to iPhone or vice versa.
WinX MediaTrans transfers your photos with the rapid speed. That means, your device won't get stuck while moving files back and forth. It claims to transfer 100 4K pics in just 8 seconds. And having given it a long spin, I can safely say it does live up to the billings adorable.
I have used other popular iTunes alternatives like AnyTrans and iTransfer. But none of them have allowed me to transfer pics so fast.
Since it supports several formats like JPG/PNG/GIF/BMP/TIFF, you can conveniently export any photos in iOS Camera Roll and third-party apps. It excels in getting the job done smoothly.
You can customize your music library to your best liking. It lets you import/export any songs between PC and iDevice.
You can create playlists, ringtones and be able to edit artists as well as album info.
It enables you to convert music to MP3/AAC automatically.
Using drag & drop feature, you will be able to move songs without any hassle. You can add, export and make iPhone ringtones and even transfer Voice Memos with the essential convenience.
There is an immensely user-friendly batch mode to make the task of editing playlists, album names and information more smooth-sailing. It helps you not just carry out the task more expediently but also save plenty of valuable time.
The app automatically converts and rotates videos for smooth playback. Hence, you will enjoy media at their top-notch quality.
For someone who has a particular liking for fun-loving videos, I really like this feature a lot. It brings just the required ease to make the most of the hi-res clips without running into issues at the most opportune moment.
You can selectively back up videos of your iOS device. Since it has the support of several formats like MP4, MKV, AVCHD, you will be able to take control of your favorite flicks with the desired flair.
Yet another significant feature of this software is that it allows you to reduce the size of videos by up to 50% without any quality loss. The ability to optimize videos without affecting the quality makes it enormously pivotal for the folks who are fond of watching videos and love to keep plenty of them on their device.
It allows you to export/import 4K or 1080p HD videos and movies between PC and iDevice in batch. Therefore, you won't have difficulty in moving plenty of Netflix or YouTube videos back and forth. To me, transferring videos in the batch is a big deal as it takes a lot of stress away.
One of the most notable features of this media manager is that it allows you to use your iPhone as a useful USB drive.
It comes with "Flash Drive" features that let you drag and drop any files onto your iPhone's memory.
As it supports all file types, you have the needed freedom to transfer any file type. More significantly, this functionality becomes very helpful when you don't have access to the external hard drive.
If you are a loyal iTunes user and often have to deal with numerous issues related to guide, do refer MediaTrans' more than 100 Q&A. The guide can be very helpful in fixing issues like music sync and restore errors.
That's not all, you can also be the Meme King, and win the cash prize of $1,200. If you have a penchant for creating something really hilarious, take part in this contest to cash-in-on the bonanza!
Indeed, MediaTrans has got plenty up its sleeve to be considered as a more effective iTunes alternative! It is ideal for backing up and syncing media contents between computer and iOS devices.
If you are in quest of finding a superior iTunes alternative for PC to deal with media more comfortably, I would recommend you to use MediaTrans. It's versatile and lives up to the task with the desired result. Besides, it possesses unmatched transfer speed.
What do you think of it? Share your thoughts about it in the comments below. To read more such software reviews, download our app and stay connected with us on Facebook, Twitter, and Google Plus.


WE the People do hereby reaffirm that; when in the course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the laws of nature and of nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.
We still hold these truths to be self-evident: That all men are created equal; that they are endowed by their Creator with certain unalienable rights; that among these are life, liberty, and the pursuit of happiness; that, to secure these rights, governments are instituted among men, deriving their just powers from the consent of the governed; that whenever any form of government becomes destructive of these ends, it is the right of the people to alter or to abolish it, and to institute new government, laying its foundation on such principles, and organizing its powers in such form, as to them shall seem most likely to affect their safety and happiness. Prudence, indeed, will dictate that governments long established should not be changed for light and transient causes; and accordingly all experience hath shown that mankind are more disposed to suffer, while evils are sufferable than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same object, evinces a design to reduce them under absolute despotism, it is their right, it is their duty, to throw off such government, and to provide new guards for their future security. Such has been the patient sufferance of the several States; and such is now the necessity which compels them to reaffirm their fundamental form of government. The history of the present Government is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute tyranny over the People of the fifty United States of America.
To prove this, let facts be submitted to the People of the fifty United States of America and to a candid world.
The Government has knowingly enacted laws that prove to be contrary to the wholesome benefit of the People and refused laws necessary for the public good.
The Supreme Court has consistently practiced in establishing Legislation from the Bench, inconsistent with the authority granted in accordance with the Constitution of the United States of America.
The Government has knowingly allowed, and supported the weakening of our economy and purposeful diminishment of our National Productivity by allowing corrupt Labor Unions unrestricted influence on Policy, Legislation, and Elections.
Congress has failed to repudiate, on multiple occasions, a sitting President who has given contemptible speeches in foreign nations that degrade the United States, abrogating his Constitutional responsibility to promote and defend the United States of America.
The President, along with some members of Congress have entertained, and pursued, the ideology of empowering an international agency to regulate the valuation of currency, arbitrarily enforcing environmental policies on our nation causing unjust burdens on our economy that will limit our Natural Right to Independence, and subject the United States to a World Court, subjecting the People to penalties for actions not illegal in the United States, even granting full immunity from our laws to an international police force, thereby surrendering, and in part abdicating the sovereignty of our nation in the name of Globalization.
Congress has abdicated their Constitutional responsibility to coin money and regulate the value thereof by placing this duty in the hands of the Federal Reserve, and through this agency has habitually devalued our monetary system by printing exhaustive amounts of unsecured promissory notes.
The President has usurped the Constitutional power and authority of the Senate to give advice and consent of appointees to high offices by appointing instead Czars; claiming, through his actions, there is no need for any proper vetting process of the radical individuals, who have demonstrated their contempt of our great nation for years, prior to being positioned in the offices of our government.
The President has purposefully and willfully violated the Constitution of the United States of America by executing Executive Orders directly and spitefully contrary to the responsibilities and duties of the Office and failing to uphold the Laws of the Land.
Congress has routinely failed to exercise the powers granted in the Constitution of the United States to remedy the illegal actions of the President, and Members of his Cabinet, up to and including, Articles of Impeachment, ensuring the President enforces all Laws of the Land and Protects our Nation from ALL enemies, both Foreign and Domestic. Instead, Congress has remained, for the most, silent in response to such repeated instances, of flagrant violations of the Constitution of the United States of America, and has failed to initiate any means of reconciliation, thereby allowing our Nation to become at greater risk from Foreign and Domestic enemies.
The Government has continuously failed to protect the Sovereignty of our Nation and enforce the Laws in regards to Immigration, Trade, Economic Productivity, and the General Welfare of our People.
The Government has purposefully usurped the powers and authorities of the several States, centralizing powers in the Federal Government that are only bestowed, by the People, to the States, thus asserting a position of direct authority over the People.
The Government has misused the powers and authority of the Supreme Court to advance and extend the power of the Federal Government without proper consent of the Governed.
The Government has, by purposeful design, instituted hidden and disguised taxes to accomplish taxation without representation and without consent of the People.
The Government has failed to secure our nation's borders to prevent invasions, and has given unprecedented rights to our enemies and those who invade us, and are even contemplating signing into law, legislation condoning such invasion, thereby forcing the numerous constituencies to forgive the failing of Congress with complete disregard for accountability to the Offices to which they were elected.
The President, appointed members of his Cabinet, and members of Congress have, on numerous occasions, failed to promote, protect, and defend the Constitution of the United States of America and our Nation's Security in violation of their oath of office.
Congress has falsely assumed power, contrary the Constitution, to legislate for the People in all cases whatsoever.
The President, and Commander in Chief, has delayed in providing sufficient reinforcements to our deployed military, according to the needs proscribed by qualified Commanders appointed by him, in a time of war, and then figuratively bound our military's hands with crippling rules of engagement, negatively effecting the efficiency of our fighting forces.
Congress has illegitimately politicized our military by threatening not to provide adequate support to our military, deployed to a foreign land, while members of Congress vie for political concessions.
Congress has failed to maintain the moral standards of their members, opting to provide loyalty to members of a political party who have committed immoral and illegal acts, rather than maintaining loyalty to the oath of their office and to their constituencies.
Congress has consistently misappropriated tax revenues intended for specific programs, thus generating insurmountable, unfunded debts, intentionally burdening future generations.
Congress has improperly collected taxes from one State to fund Programs initiated and performed by another State without the consent of the constituency forced to bear the financial burden.
Congress has improperly demanded more taxes of the People, during times of economic recession, while at the same time voting a raise to their own salaries, the salaries and size of their staffs, and increased congressional discretionary spending in a flagrant display of fiscal irresponsibility.
Congress has habitually made a practice of not representing the best interests of their constituents, but rather pursued their own political interests and agendas, or those of their Political Parties, thereby usurping the Rights Reserved to the People of the United States of America.
Several members of Congress have become actively involved in the destruction of our Representative Republic and, in so doing, purposed to transform our nation toward Socialism and Globalization, altering fundamentally, our system of government.
Congress has consistently entered the United States of America into foreign Pacts that were known to be, and later proved to be, contrary to the benefit of the Nation and in response have failed any attempt to rectify those actions as to avoid trade deficits and harmful manipulations of our National Economy by other Governments.
Congress has, in the manipulation of the rules of their respective Houses, condoned and, at times encouraged, the despotic actions of their ranking members, by limiting or disallowing proper legislative debates and unjustly lowering the necessary legislative majority, and other manipulations of the rules of their respective Houses of Government, in an effort to force party politics on an unwilling People.
In every stage of these oppressions, we have petitioned for redress in the most humble terms; our repeated petitions have been answered only by repeated injury. A government, whose character is thus marked by every act, which may define a tyranny, is unfit to represent a free people.
We have warned Congress, from time to time, of legislation attempting to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our form of government. We have appealed to their native justice and magnanimity; and we have conjured them, by the ties of our common citizenry, to disavow these usurpations, which would inevitably interrupt our happiness as a sovereign nation. They have been deaf to the voice of justice. We must, therefore, hold them responsible for their actions.
We, the People of the fifty United States of America, therefore solemnly publish and declare that the Federal Government of the United States is out of control, instituting legislation contrary to the best interests of the People and the Welfare of the several States, and are therefore, in violation of the Constitution of the United States of America.
So that these United States may remain, and of right ought to be, FREE AND INDEPENDENT STATES; united by the common consent of the People, in support of a Federal Government dedicated to the promotion and security of the several States, under the limitations of the Constitution of the United States of America, we do hereby throw off the presently distorted form of government, unfounded except through repeated usurpations and violations of the intentions of the Framers, and do hereby reaffirm that form of Government provided to citizens of the United States of America by the founding and framing of our nation.
So that we need not sever all political connection between the Government of the United States and the independent governments of the several States, that allows us, as a nation to have full power to levy war, conclude peace, contract alliances, establish commerce, and do all other acts and things which sovereign nations may of right do, we demand that Congress abolish all laws, practices, and activities contrary to those established under, or in harmony with, the Constitution of the United States or suffer the circumstances provided for in our Constitution, for a Representative Republic form of government, including the demand for removal of obstinate members, from either the House of Representatives, the Senate, the Supreme Court, or the Presidency regardless of status or rank, who are found to be guilty of the aforementioned charges and show no remorse or willingness to conform to the demands of this declaration.
For the support of this declaration, with a firm reliance on the protection of Divine Providence, as our Founders did, thereby setting an example for their posterity, we mutually pledge to each other our lives, our fortunes, and our sacred honor in affirmation of this declaration and reaffirmation of our Nation's original Declaration of Independence, and individually do hereby voluntarily join the common citizens in taking back our country from a government which has become oppressive and has performed in ways appearing to be on the path to despotism.


text:
GER Number 8
Present Location: On loan to Pontypool and Blaenavon Railway
Designed: GER
Built:1877
Type: Family Saloon
1881 converted for exclusive use of Edward, Prince of Wales and taking GNR roof profile. Total cost of convertion was £350. Went in to family saloon use unaltered from Royal condition in 1897 when new bogie carriage built by GER for the Prince.
No. 8 was one of four family saloons and they were, for the period, better than anything seen before. They were the first GER six wheelers apart from Prince Edward's first saloon built 1863. (He complained that it 'was not as steady as he would wish') so hence the conversion of No. 8.


Lionel Messi and teammate Sergio Aguero of Argentina show their dejection during the game against Croatia.
Source: Clive Brunskill/Getty Images Europe.
Argentina will play the Super Eagles of Nigeria on Tuesday in the last Group D match, a crucial game for both countries.
The Super Eagles need to avoid a defeat to make it into the Round of 16 while Argentina must win the game to stay in the tournament.
Argentina lost their last game against Croatia 3-0 which puts their World Cup campaign in jeopardy, this loss has led to a lot of disarray and rifts within the Argentina team, players wanted the Argentina FA to Sack Jorge Sampaoli before the Nigeria match.
To terminate Sampaoli's contract, the Argentina FA would have to pay a huge sum of money which has made that decision impossible.
Latest reports coming out of their camp suggests that the players will decide the team for their game against the Super Eagles of Nigeria.
Argentina players will decide the team for their game against Nigeria. The squad have broken their relation with Jorge Sampaoli and he's no longer making decisions.
If this news is true, we would like to know if Sampaoli will be on the sideline barking orders or just sit down watching a team he did not pick. So much drama, the current situation should favour Nigeria.


text:
Comedy Cluj este un festival internațional anual de film de comedie care a are loc la Cluj in luna octombrie.

Prezentare
Prima ediție a festivalului, derulată în 2009, a cuprins 70 de filme din 19 țări.

Festivalul conține mai multe secțiuni. În afara secțiunilor au loc și alte evenimente: ateliere (de creație și de restaurare de film), lectură de epigrame, conferințe și party-uri.

Secțiuni
 Competiție: 12 comedii recente
 Comedii Comedy: un amalgam de 18 comedii din toate timpurile și din toate colțurile lumii
 Focus pe trei cinematografii naționale
 Focus pe un regizor
 Focus pe un actor

Premii
 Ediția 2009:
 Trofeul Comedy: Noi, cei vii de Roy Andersson
 Cea mai bună regie: Boris Khlebnikiv pentru filmul Svobodnoe plavanie
 Cel mai bun scenariu: Andrej Slabakoff pentru scenariul filmului Hindemidth
 Cea mai buna actriță: Judit Schell pentru rolul din Csak szex és más semmi șet Yolande Moreau pentru rolul din Louise-Michel
 Cel mai bun actor: Javier Cámara pentru rolul din Fuera de carta
 Mențiunea specială a juriului: David & Layla de Jalal Jonroy
 Premiul publicului : Valami Amerika de Gabor Herendi
 Cel mai bun scurt metraj: Vacsora de Karchi Perlmann
 Mențiunea specială a juriului pentru scurt metraj: Vostok de Jan Andersen

Bibliografie
 Comedy Cluj, atracția toamnei culturale , 12 august 2009, Ziua de Cluj
 Comedy Cluj vrea să se impună în Europa Centrală și de Est , 30 septembrie 2009, Ziua de Cluj
 70 de filme și mii de zâmbete, la prima ediție a "Comedy Cluj" , 10 septembrie 2009, Ziua de Cluj
 COMEDY CLUJ. Cel mai bun film - "Voi, cei vii" , 17 octombrie 2009, Ziua de Cluj
 Cortină peste Comedy. Bis! , 16 octombrie 2009, Ziua de Cluj
 Dosar Comedy Cluj pe LiterNet

Legături externe
 www.comedycluj.ro - Site web oficial

Festivaluri de film din România
Festivaluri în Cluj


Assam Chief Minister Sarbananda Sonowal on Thursday cast his ballot in Dibrugarh district, and asserted that Narendra Modi will be the prime minister for a second term.
"Along with Assam, the people of the country have decided to cast their vote for the second term of Prime Minister Narendra Modi for development, brotherhood, peace and security of the nation," he told reporters here.
Polling is being held since 7 am amid tight security in five parliamentary constituencies of Tezpur, Kaliabor, Jorhat, Dibrugarh and Lakhimpur to decide the fate of 41 candidates in the fray.
"The people of Assam have participated in the elections with enthusiasm...," said Sonowal, who leads the BJP coalition government in the state.


President Donald Trump waded into the Florida Governor 's race again, tweeting that Democrat Andrew Gillum was corrupt and the criticism of the Tallahassee Mayor and the capital city is giving the city a black eye.
Florida TV viewers are being bombarded with ads like this one, in multiple rotation.
"20 FBI agents have spent two years investigating the city in Andrew Gillum's tenure," said one ad.
On Monday, President Donald Trump tweeted that Gubernatorial Candidate Andrew Gillum was a, 'thief'.
It's not just Floridians, but the entire nation that is seeking Gillum and his city being bashed on cable news programs.
"They just get this overall impression that Tallahassee is one of the most corrupt cities in the country and that we're one of the most violent cities in the country and that's really hard to overcome," said FSU political Scientist Carol Weissert.
Even the local GOP chair wants people to know its about Gillum and not the city and its people.
"He's not saying it's a bad place to live, he saying we a have a bad, a not well run city government," said Power.
One of the big pushes has been to attract more seniors to retire to Tallahassee, but all this advertising is likely to make that more difficult.
In the shadow of the Capitol we asked people at this local lunch spot to raise their hands is they thought Tallahassee was a great place to live.
One person muttered, 'This must be about Gillum'.
The Tallahassee Mayor has said repeatedly he is not a target of the investigation and has called on the FBI to tell people what it knows.