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Mastercard knows only too well that technology can drive inclusive financial growth with simpler and more efficient ways to do business and life. And Raghu Malhotra, the man spearheading this trajectory in Africa, is also focused on social progress.
In many ways, Raghu Malhotra is like the brand he works for, leaving his footprints in different parts of the world, and in some cases, the most unlikely corners.
On a scorching summer’s day in June 2016, Malhotra traveled 100km east of Jordan’s capital city Amman, to a camp with white tents named Azraq built for the refugees of the Syrian Civil War.
In the desert terrain and hot, windy conditions, people had to queue for hours on end for plates of food handed out of visiting trucks. But some of them, displaced and homeless overnight, expressed their gratitude to Malhotra, President for Mastercard in the Middle East and Africa (MEA).
Mastercard, a technology company that engages in the global payments industry, had distributed e-cards, as part of a global collaboration with the World Food Programme, to the refugees that they could now use to purchase food and other supplies from local shops.
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“I spoke to the people myself and saw what their lives were… Even those who were doctors with their families and were displaced… They said to me ‘you have restored dignity to our lives; you have no idea how demeaning it is to queue up to be given food’… We actually digitized how that subsidy for food was given. Some of these things go beyond economics,” says Malhotra.
That very simply sums up Malhotra’s mandate for Africa as well.
The New York-headquartered Mastercard, ranked No. 43 on Forbes’ list of the World’s Most Valuable Brands, with a market cap of $247 billion, which connects consumers, financial institutions, merchants, governments and business, is fostering key partnerships across the African continent to help drive inclusive economic growth.
The idea, Malhotra says, “is to get our global skill-set to operate in its most efficient form in every local economy, at the same time, we must do good, and it must be sustainable.”
He calls Africa the next bastion of growth for various industries.
“As a company, we have stated we are going to get 500 million new consumers globally. And Africa plays a big part of that whole story… We want to be an integral part of various economies here,” says the man responsible for driving Mastercard’s global strategy across 69 markets.
“It probably took us over 20 years to get the first 50 million new consumers, in my part of the world, which is the Middle East and Africa (MEA). It took us probably five years to get the next 50 million, and last year alone, we put over 50 million consumers [in the formal economy] in MEA. That is part of our whole African story, so this is just not rhetoric; we are actually building our business on that basis.”
Home to four of the world’s top five fastest-growing economies, Africa has the fastest urbanization rate in the world, the youngest population, and a rapidly expanding middle class predicted to increase business and consumer spending.
It’s a continent of opportunity for global players like Mastercard with an eye on the potential of a booming consumer base and small and medium entrepreneurs, most of whom are still not a part of the formal economy. A large proportion of Africa is still unbanked. There is enough business opportunity in offering people digital tools so they can lead respectable financial lives.
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But it is in knowing that financial inclusion is not just about technology, but more about solving bigger problems, as the World Bank says in its overview for Africa: “Achieving higher inclusive growth and reaping the benefits of a demographic dividend will require going beyond a business as usual approach to development for Africa. Going forward, it is imperative that the region undertakes the following four actions, concurrently: invest more and better in its people; leapfrog into the 21st century digital and high-tech economy; harness private finance and know-how to fill the infrastructure gap; and build resilience to fragility and conflict and climate change.”
And in order to enable financial access, Mastercard has a balanced strategy in place, with the right partnerships for inclusive growth on the continent, Malhotra tells FORBES AFRICA.
“Every emerging market has different segments of people and you need to get the right product for the right segment. What we do is a balanced growth strategy across the continent based on timing, opportunity etc… Of course, because the bottom of the pyramid is much bigger, I think what we need is to adapt things differently; that is where the inclusive growth story comes from. That is where the opportunity is, but there is a second part to it…” And that, he summarizes, is advancing sustainable growth, doing good and bringing more transparency and efficiency.
The new pragmatic dispensation of governments in Africa towards ideas, technology and innovation has surely helped open up the stage to newer segment-driven products, especially as Africa already has such global laurels as Safaricom’s mobile money transfer and micro-financing service M-Pesa that took financial access to a whole new level. Also, sub-Saharan Africa remains one of the fastest-growing mobile markets in the world.
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Malhotra says he finds African governments consistent in how they are rolling out their digital vision, and in trying to collaborate towards creating better ecosystems for their economies, though each is unique with its own dossier of problems.
“When I speak to various governments around Africa, I see a commonality of what their needs are and I also see a commonality in how they are trying to respond. So I think a lot of them realize running cash economies is a very inefficient way of doing things… Also, the consumer base is much more open to new technology because there is no bedded infrastructure or legacy infrastructure. I think where governments need to start thinking a bit more is how much do they want to do completely on their own.”
Part of this transformation on the path to financial progress is alleviating the burden of cash. Cash still accounts for most consumer payments in Africa. Mastercard, which started out as synonymous with credit cards, continues its efforts to convert consumers from cash to electronic transactions, and move beyond plastic.
A cashless continent?
In an interview with us in mid-2016 in Johannesburg, Malhotra had said: “People consider the likes of Facebook and Apple as digital giants that have transformed things, and they really have, but if I really think of a company that 50 years ago digitized cash, I would like to believe we were the pioneers of what is called the digital economy. Obviously, you require technology and infrastructure to continue the transformation.”
And the first challenge to converting a cash economy to electronic is education.
“There is a common perception cash is better. But if you lose your wallet, and if you have cash in it, you will never see your cash again but you actually have a chance of getting your card back. Secondly, cash is a very inefficient form. Somewhere, the world has forgotten it started with the barter system: you moved to mineral trade, then diamonds and gold, you changed that to coins, silver and gold, you changed that to bullion and then moved to cash. Cash has been a phenomenon only for the last 600 years or so. The time has come to digitize it. Why can’t we just accept that and move forward?
“Once you get over that hurdle, you start with infrastructure, and that’s where partnerships with governments and different stakeholders come into play,” he had said.
It’s these conversations and partnerships that have been bringing the Dubai-based Malhotra to Africa’s shores several times a year. During our interview in July this year, he said: “Just to give you a flavor, I visited four African countries over the last 15 days.”
Mastercard is ramping up investments and expanding its reach across Africa. New offices have opened in Senegal and Cote d’Ivoire, with another on course in Zimbabwe. There are more people on the ground, closer to the local markets. Over the last five years, the company’s employees in Africa have gone up by over three times, and 40% of all new hires in MEA are in Africa.
The company has also stepped up the backing of African fintechs, investing in a number of firms such as Flutterwave and DukaConnect, and e-commerce platforms such as Jumia. In Rwanda, Mastercard has provided a grant of $1 million, spread over three years, to advance economic growth and financial inclusion.
In 2015, the company opened its first Lab for Financial Inclusion in Kenya partnering with the Bill & Melinda Gates Foundation. Some of the innovations made here are then exported to other parts of the world, attests Malhotra.
“We have some outstanding examples of products and platforms that have been created in Africa.”
Agriculture is one of the focus areas alongside education and MSMEs (micro, small and medium enterprises).
One of the thrust areas for Mastercard is a farmer network that connects buyers and sellers of farming goods, providing them with a digital identity and enabling them to sell produce, buy inputs and receive payments for seeds and fertilizers via their feature phones, bringing more transparency into the value chain.
The other example is Kupaa, a digital payments tool that is making paying school fees easier by allowing caregivers to pay them via a basic cell phone in small amounts and allowing multiple individuals to contribute funds to the child’s education.
“Most people at the bottom of the pyramid cannot afford to pay school fees on a monthly or quarterly basis, but they can on a daily basis, if they are daily wage-earners. We have created a platform that is almost like crowd-funding that allows to pay for kids’ education,” says Malhotra.
“There are many global organizations that looked at this model saying that it is truly a real example of public-private sector partnerships that are about inclusive growth. I am very encouraged on how other people are taking to these platforms.”
Solar energy is also in the mix, with a product called M-KOPA enabling Ugandans to have power in off-grid homes. They make ‘pay-as-you-go’ Quick Response (QR) transactions for solar energy solutions.
“Clearly, we are trying to do things differently in bringing many platforms and cobbling them together… You should expect more and more such innovations coming from us in the future,” says Malhotra with exuberance.
Salah Goss, Vice President and Head of Mastercard’s Lab for Financial Inclusion in Nairobi, who has had extensive experience in the financial inclusion arena, calls it a “human-centric design”.
“It’s about giving communities that are excluded access to services they care about; it’s not financial inclusion just for a bank account, but to support an economic livelihood. It’s about adding efficiency and choice, safety and security. And that happens with digital. We are laying the superhighway of digital transactions, so, people can benefit and connect to the global economy,” says she.
What Mastercard has also realized as important is partnering with – rather than countering – mobile network operators to build a stronger payment ecosystem on the continent.
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“I admire the mobile companies on how they became interoperable between themselves, [and that] is how they created scale. Because they created scale, the cost of hardware went down very dramatically,” says Malhotra.
“The concept of interoperability is really important… It’s the right way of doing things for the consumers. I feel mobile companies have suddenly embraced that and therefore, our partnership with mobile companies is exactly in the same line, saying can we drive efficiency and scale for you to create the right value you want to create for your customer. So it is about working together with them on various points.”
Another important focus is Mastercard’s investment in women, who are traditionally underserved in Africa. Goss says they “suffer from financial exclusion, and part of the work is to break the cycle of invisibility”.
For instance, according to the Mastercard Index of Women Entrepreneurs in 2018, only 18.8% of South African business owners are female, compared to 46.4% in Ghana, which is ranked as the country with the highest women-led companies in the world. This number could be improved, with the right support to aspiring female business-owners.
‘The purity of the people in Africa’
This year, Malhotra was appointed as a member of the United States’ (US) President’s Advisory Council on Doing Business in Africa. His role will be advising the president of the US, through the secretary of commerce, on ways to strengthen commercial engagements between the US and Africa.
“I am honored to be on that council… It’s going to have various facets to it. I don’t have all the details as yet, but the idea is to say ‘hey listen, Africa is a continent on the move, many things are changing’. It’s a look into the future as well and to also, hopefully, try and address the various barriers that currently exist to ensure better commercial arrangements between the US and Africa.”
Coming out of the aegis of the US President’s Advisory Council, adds Malhotra, is Prosper Africa, an initiative that unlocks opportunities to do business on the continent, to increase two-way trade and investment between the US and Africa.
All this will see Malhotra intensifying his trips to Africa, a continent he has been visiting for the last decade. Yet, each time, even before he lands on African soil, he says he is captivated by its beauty.
“I don’t think the world has really understood how beautiful this continent is. The first thing that stood out for me when I came out of a plane in Africa, was the sky,” he recalls. “I find purity in the environment. Every single time I go to an African country, when I look up, it gives me the same feeling. It doesn’t matter whether it’s a rainy day or how the clouds are on a clear day. There is something there, so when people say that humankind was born in Africa, I kind of get it. The purity of African nations and the people is a real joy. Through all the chaos, there is purity. That’s what stands out for me.”
With a career spanning more than 25 years, prior to joining Mastercard in 2000 in New Delhi, Malhotra, the son of an army colonel in India, served in a variety of roles at Citicorp, American Express and ANZ Grindlays Bank.
“I joined Mastercard because I wanted to join a company where I wanted to run a business slightly away from banking. Nobody in the world was willing to give a risk manager the job as a head of a business. But Mastercard gave me a chance. I used to run area countries for South Asia and then I realized what a great industry it was. There was a huge shift taking place with the world moving to a digital form. That is really where my journey with Mastercard began,” says the lean leader, nattily dressed in a grey power suit for FORBES AFRICA’s cover shoot in Johannesburg.
There is a disarming smile when you quiz Malhotra about his favorite Africa sojourns. Top of the list was his impromptu visit to Victoria Falls on the border between Zambia and Zimbabwe, following a business trip in South Africa.
“I was in South Africa and had a choice to fly all the way out to Dubai, and I said ‘forget it, I am going to go hiking’ and decided to go to Victoria Falls [in Zimbabwe]. I hiked, went ziplining over the gorge, took a helicopter ride over the falls, and did a boat ride through the river. I felt one with nature, and very much in harmony with the land.”
He experienced similar exhilaration many years ago in Argentina, when on his own, he went glacier-climbing over a weekend, after a business trip.
“You are just alone and at that point of time, maybe it must be the rarefied air there, I got clarity in my head and I started thinking it’s really nice to be by yourself from time to time, as busy as you are, being the leader you are, the husband you are, the father you are or could be, or the uncle you could be. If you don’t spend time with yourself, you are not really being your whole self. This just means don’t spend all your time trying to make other people happy, take some time off for yourself too, and I think that really helped me,” says Malhotra as advice to fellow business travelers living out of a suitcase most of the year.
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Back home in Dubai, the other half of the power couple is Malhotra’s successful banker-wife Banali. They have two daughters, aged 19 and 11.
Soon coming up in the glistening Middle Eastern city, is Expo 2020, which Mastercard is partnering with, rolling out a raft of its payment, biometric, AI and wearable technologies. The glitzy showcase will draw tourists from around the world for “a converged digital experience”.
But Malhotra will be back to Cape Town in February, he promises, to celebrate his 50th birthday. There is no other place but Africa he would rather be, to mark his next crucial milestone.


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By Gavin Gibbon
McDonalds, Costa Coffee and Starbucks all committed to providing sustainable alternatives
Fast food giant McDonald’s is to replace over 5.6 million items with recyclable materials at Dubai’s two airports.
While Costa Coffee has committed to replacing its plastic-lined cups with a 100 percent renewable, plant-based ‘smart’ cup – the company uses more than 2.6 million cups a year in Dubai’s airports alone.
The moves come as both Dubai International (DXB) and Dubai World Central (DWC) prepares to ban all single-use plastics from January 1, 2020.
Eugene Barry, EVP Commercial at Dubai Airports, said: “This pledge is another step on a long journey to becoming a more environmentally responsible airport. Along with our partners, including global brands such as McDonald's, Costa Coffee and Starbucks, we are committed to not only removing single-use plastics but in their place providing appropriate and importantly sustainable alternatives.”
It is estimated that 5,500 tonnes of single-use plastic is generated at Dubai Airports each year, while 280 tonnes has been recycled in 2019 so far.
A specially-commissioned survey by Dubai Airports showed an increased awareness among travellers around personal usage of plastic products and recycling, at home and while travelling.
It revealed that 52 percent of respondents in the UAE claim to carry a reusable water bottle while travelling – already this year 29 metric tons of plastic bottles have been recycled from the security check points (an average of 11,000 bottles-a-day); while 49 percent would choose to dine in an airport restaurant to avoid plastic packaging that comes with take-out food options.
Almost a third (32 percent) of respondents refuse to buy items at the airport containing non-recyclable materials. And 92 percent said that airports should be more vocal about what steps they are taking to recycle waste.

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It's a big week for Archie Comics, and with Comic-Con on the horizon, it will only get bigger.
Yesterday we heard the news that we can expect an Archie/Glee crossover series of comics next year. A few weeks ago, it was announced that Star Trek legend George Takei would appear in a book later this year.
Today, I have the exclusive news that Archie Comics has partnered with MAC Cosmetics, of all things, to launch a makeup line called "MAC Archie's Girls."
According to the publisher, the cosmetics "will celebrate the iconic beauty looks of Betty and Veronica" and be available next spring.
If you're going to Comic-Con, note that MAC will be holding events July 11 and 12 at its Gaslamp store in San Diego with Archie artist/illustrator Dan Parent to celebrate the upcoming collection.
No product pics yet, but the new logo is below. (By the way, this isn't the first time MAC has used comics as inspiration; a couple years ago, the company released a line of Wonder Woman-themed products.)
Whitney has been writing about pop culture for USA TODAY since 1999, when Pop Candy began as a weekly column. Her interests include music festivals, mustaches, Lost, comic books and Andy Warhol. She lives in New York City. More about Whitney | E-mail Whitney


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Profits up to £114m at DMGT
THE Daily Mail and General Trust, owner of This is Money, the Daily Mail, the Mail on Sunday and the London Evening Standard, today cautioned that the group's national and regional newspapers have faced uncertain advertising markets since the end of its first half.
An early Easter and the General Election obscured the picture, while recent assessments of consumer confidence are not encouraging. Advertising revenues rose 2% in April compared with 2.5% in the first six months.
However, the group said it should outperform its rivals by growing market share and exploiting new colour printing presses. It also pointed out that its non-newspaper businesses such as Australian radio and global exhibitions were performing well. They now provide 40% of operating profits, a share that is expected to increase.
Pre-tax profits for the half-year to 3 April rose by 7% to £114.5m - at the top of City forecasts - on turnover up 1% at £1.06bn. The dividend rises 9% to 3.75p.
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The ongoing saga of the North American Free Trade Agreement renegotiations seems to have finally come to an end.
On Monday, President Trump announced a new trade deal with the United States’ North American trading partners. The agreement formerly known as NAFTA will now be called the United States-Mexico-Canada Agreement, or USMCA.
To experts already weighing in, the trade deal appears to be a marriage between the existing NAFTA and provisions of the defunct Trans-Pacific Partnership, which the U.S. negotiated with 11 other nations before Trump pulled the nation out as one of his first presidential orders of business.
In a White House statement Monday, Trump said, “USMCA is a great deal for all three countries, solves the many deficiencies and mistakes in NAFTA, greatly opens markets to our farmers and manufacturers, reduces trade barriers to the U.S. and will bring all three Great Nations together in competition with the rest of the world.”
The deal was reached with Canada Sunday night—just before the midnight deadline for settling an agreement on trade—and will be added into the deal already reached with Mexico.
USMCA will shift rules of origin to require 75 percent of auto manufacturing inputs to be produced in North America, American dairy products will gain better access to Canada, a “high-standard” chapter adds strong protection and enforcement of intellectual property rights, and the new deal “contains the strongest measures on digital trade of any agreement,” according to the White House statement.
With the details of the trade deal still under review, it’s early yet to tell just how the changes will impact apparel, footwear and textile supply chains, but American Apparel & Footwear Association(AAFA) President and CEO Rick Helfenbein said the organization intends to “remind the administration of the need to seamlessly implement this new agreement so that companies are able to adjust to the new trading rules.”
Last year, the value of shipments for U.S. textiles and apparel was $77.9 billion, and U.S. exports of fiber, textiles and apparel were $28.6 billion, according to data from the National Council of Textile Organizations (NCTO).
When it comes to textiles, the agreement may prioritize textile manufacturing in a way that NAFTA might not have.
“Unlike the original NAFTA, the new agreement includes a separate textile and apparel chapter,” NCTO president and CEO Auggie Tantillo said in a statement Monday. “This outcome is a tangible recognition by all three parties of the importance of textile manufacturing to the regional economy.”


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Shares of Canada’s cannabis giant Canopy Growth (TSX:WEED)(NYSE:CGC) gained close to 11% on January 28, 2020. The stock closed trading at $31.45 yesterday. Canopy shares rose after investment bank BMO Capital upgraded the stock to outperform from market perform.
According to one report from The Fly, BMO Capital analyst Tamy Chen increased the stock’s 12-month price target from $25 to $40. Chen stated the sell-off that drove Canopy stock lower in the last year was driven by a sub-optimal product mix coupled with industry-wide challenges.
The analyst expects Canopy Growth to post solid fiscal third-quarter 2020 results, as the new product mix will be aligned with consumer demand, and even a small beat in earnings or revenue can shift investor sentiment.
We know that the cannabis space has been impacted by several structural issues, including oversupply, competition from illegal sales, and falling profit margins. This has led to a severe sell-off in pot stocks over the last 12 months.
Despite the 10.8% gain for Canopy Growth, the stock is still trading 56% below its 52-week high. The upcoming company earnings will be a key driver of stock price not just for Canopy, but for other publicly traded pot stocks as well.
Analysts expect revenue of $103.8 million
In the fiscal third quarter of 2020 (ended in December), analysts have forecast company sales to reach $103.8 million — growth of 25% year over year. Earnings are expected to fall 26.3% to -$0.48.
In the September quarter, Canopy Growth reported sales of $76.6 million, 15% lower compared to the sequential quarter. It had to book a loss of $32.7 million in Q2 due to lower demand that resulted in product returns for its high-margin soft gel and oil products.
The other major issues that resulted in an operating loss of $265.8 million in the September quarter for Canopy was its share-based compensation, which was higher than its quarterly sales.
Canopy Growth ended the first quarter with a cash balance of $2.75 billion and a debt of $720.5 million. Though the company has huge cash reserves, it will need to focus on increasing profit margins, as it is ended Q2 with an operating cash flow of -$681.71 million.
Canopy Growth continues to invest heavily in capital expenditures (capex). Analysts expect the company’s capex to increase from $644 million in fiscal 2019 to $727 million in fiscal 2020, which will result in a lower cash balance by the end of this fiscal year.
These investments will mean Canopy Growth will post a negative EBITDA over the next few years. According to analyst estimates, Canopy’s EBITDA might fall from -$257 million in 2019 to -$452 million in 2020 and improve to -$66.8 million by 2022.
What next for investors?
Canopy Growth stock has made a strong comeback in CY 2020. Shares have gained 20.4% year to date compared to the returns of 7.7% for the Horizons Marijuana Life Sciences ETF.
While there are structural issues that will continue to impact Canopy Growth in the short term, the rollout of retail stores in major Canadian provinces, the investment of Constellation Brands, and the company’s massive reach will hold investors in good stead.
Marijuana was legalized across Canada on October 17th, and a little-known Canadian company just unlocked what some experts think could be the key to profiting off the coming marijuana boom.
Besides making key partnerships with Facebook and Amazon, they’ve just made a game-changing deal with the Ontario government.
This is the company we think you should strongly consider having in your portfolio if you want to position yourself wisely for the coming marijuana boom.
The Motley Fool recommends Constellation Brands. Fool contributor Aditya Raghunath has no position in any of the stocks mentioned.


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Tom Ditto, right, vice president of food service for Challenge Dairy Products, Inc., stands next to his company delivery truck, which is the test vehicle for a new type of refrigeration system that works on diesel and electricity rather than diesel fuel. Photo by David Castellon
Written by David Castellon
When you consider where to install solar panels, chances are your first thought is a home or other building.
The top of a truck may not come to mind, but it did to representatives of a group of business operators who had the idea of lining the top of a refrigerator truck with solar panels to help power its cooling system.
Now it’s more than just an idea.
For the past five months, a 24-foot-long, solar-powered delivery truck belonging to Challenge Dairy Products’ Fresno distribution center has been driven to various Valley grocery stores and other stops delivering dairy products.
Earlier this month the San Joaquin Valley Air District, which is footing a portion of the $1.2 million cost to develop the solar-powered truck refrigeration system, held a press conference to show it to the public.
Fresno County Supervisor Buddy Mendes said the purpose of this new technology is to help the Valley reach federal clean-air standards, despite that being a nearly impossible goal.
“These are only little things we can do going forward,” and this new technology is one of them, he explained.
Organizers said this is the first solar-powered refrigerated truck on the road. Most truck refrigeration systems are diesel powered, generating pollutants on top of those coming from the truck’s engine.
Although testing and modifications on the Challenge truck still have more than six months to go, Tom Ditto, vice president of food service for Dublin-based Challenge, said during his presentation that initial tests have shown a 98-percent reduction of harmful emissions from the new refrigeration system compared to standard diesel systems.
In addition, based on those same initial findings, the developers of the solar-connected system — which they call “rayfrigeration” — estimated that savings on fuel and maintenance could total about $3,100 a year per truck.
“If we’re going to get change, we have to have innovation,” and the district’s Technology Advancement Program is doing that by offering grants to help develop clean-air technology, said Samir Sheikh, deputy air pollution control officer for the district.
The grant used to develop the new refrigeration system totals $400,000, with the U.S. Environmental Protection agency providing $175,000 of it and the Valley Air District providing the rest.
The remaining investments in the product’s development are coming from the four partners: Challenge; Emerson Electric, which designed and built the motor, compressor and controls for the truck refrigeration system; eNow, Inc., which manufactured the solar panels; and Great Dane Truck bodies, which constructed the truck, incorporating the new clean-energy refrigeration system into it.
Eduardo Navarro, director of business development for Great Dane, said the test truck was built at the company’s plant in Wisconsin and delivered in April to Fresno. He noted that much of the technology in the truck already is available on some standard trucks, but the solar panels and the mechanical modifications to use solar energy are something new.
“What you are seeing here is a combination of technologies, some of which has been around for awhile,” he told reporters.
“We’re very proud to be part of this — especially that this test is being done in the San Joaquin Valley,” Ditto said. “We are a dairy [cooperative] owned by dairy farmers who are very committed to business and the environment in California and the San Joaquin Valley.”
As such, Ditto said he had no reservations when Navarro asked if Challenge would operate the test truck.
And while clean air is an important goal, Navarro said it’s important to develop technology that also makes sense for businesses, which includes pricing.
Ditto said a refrigerated truck like the test truck, but equipped with a standard diesel-powered cooling system, would cost about $100,000, and he estimated that one equipped with solar panels and cooling system developed by the partner companies might cost a little less.
Navarro, whose company plans to build and sell the rayfrigeration trucks after the testing is done, said prices haven’t been worked out yet, but his company wants to have a price tag no more that $3,000 over the price of a standard refrigeration truck — if it ends up costing more.


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Stock futures rose higher Tuesday morning after a selloff on Wall Street pushed the Dow and S&P 500 to their biggest one-day drops in more than a month.
Contracts on the Dow added more than 100 points, or 0.4%, shortly after 7 a.m. in New York. A day earlier, the index dropped 650 points, or 2.3%, for its worst single-session decline since the beginning of September. The S&P 500 fell 1.9% for its worst drop since September 23, and the Nasdaq fell 1.6% for its worst decline in a week.
Airline, cruise line and resort stocks also stabilized in early trading after enduring steep declines earlier in the day, as traders fled from names most exposed to disruptions that could occur if a jump in virus cases further stems discretionary travel. Advanced Micro Devices (AMD) shares sank in early trading after the company announced it agreed to purchase peer chipmaker Xilinx (XLNX) in a $35 billion all-stock deal, confirming rumors from earlier this month. Shares of Xilinx jumped 10%.
Concerns over elevated new case counts in the U.S. and abroad contributed heavily to traders’ jitters. Domestically, cases hit a record high of more than 80,000 on Friday and held above that threshold again on Saturday. Dr. Anthony Fauci, the nation’s top infectious disease expert, said during Yahoo Finance’s All Markets Summit on Monday that the U.S. is still in the “original first wave” of the pandemic, given that cases never stabilized to a more manageable level to begin with. Overseas, the Czech Republic on Monday joined France, Spain and Italy in imposing an evening curfew to try and curb the spread of the coronavirus, with cases again surging across Europe.
The virus resurgence compounded with ongoing uncertainty over the U.S. election results next week and discussions over another significant coronavirus relief package out of Washington.
To the latter point, negotiations took place again between House Speaker Nancy Pelosi and Treasury Secretary Steven Mnuchin Monday afternoon, although the time to pass a bill before Nov. 3 continues to narrow. Pelosi’s spokesperson Drew Hammill said on Twitter after their meeting, “The Speaker remains optimistic that an agreement can be reached before the election,” while adding that “progress depends on Leader [Mitch] McConnell agreeing to bipartisan, comprehensive legislation.” U.S. senators left Washington for a break ahead of the election Monday, however, leaving chances of a pre-election stimulus package incredibly low.
Some analysts noted that the upbeat comments from lawmakers about the timing of a relief bill has rung hallow to investors in recent days, given that stimulus negotiations have gone on for months now without major progress.
“Equity investors proved that talk is cheap when it comes to delivering on additional stimulus as stocks resumed their decline this week on the lack of agreement on a comprehensive stimulus package,” Charlie Ripley, senior investment strategist for Allianz Investment Management, said in an email Monday. “We think the ability to get stimulus done is fading each day as we get closer to the U.S. election, but are reminded that volatility is expected to stay as uncertainties surrounding the path of the virus and the outcome of the election continue to weigh on investors’ minds.”
7:54 a.m. ET: JetBlue tops 3Q estimates, though sales still drop 76% over last year
JetBlue (JBLU), another airline hard-hit by the pandemic and decline in travel, on Tuesday posted third-quarter sales and earnings that were better than feared. Operating revenue of $492 million dropped 76% over last year, but still topped estimates for about $463 million. Its adjusted loss per share of $1.75 was narrower than the loss of $1.90 a share expected.
The company’s third-quarter cash burn averaged $6.1 million per day, or better than the company’s previously expected range of as much as $9 million a day. Its fourth-quarter average daily cash burn will likely be between $4 million and $6 million, the company said.
Overall sales will likely decline by about 65% in the fourth quarter, JetBlue added. And its capacity will likely be down 45%, following a 58% drop in capacity during the third quarter.
7:49 a.m. ET: 3M sales grow 5% over last year, earnings top estimates as health-care products, consumer product sales jump
Health-care sales jumped nearly 26% to $2.2 billion during the quarter, led by purification and medical solutions sales. Safety and industrial sales increased 6.9% to $3 billion, with growth in personal safety and auto aftermarket supplies sales contributing to the rise. Consumer sales were up nearly 6% to $1.4 billion, with home-care and home-improvement revenue offsetting a drop in office supplies as people continue to work from home.
Transportation and electronics was the one major business group that still saw a sales decline during the third quarter, with these dropping more than 7% to $2.3 billion on account of a drop in aerospace and transportation safety demand.
Overall, revenue grew nearly 5% over last year to $8.4 billion. Adjusted earnings of $2.43 per share beat estimates for $2.26. October sales will likely be flat to up low-single digits, 3M said, while declining to provide full-year guidance.
7:30 a.m. ET: Caterpillar stems sales decline as demand trends improve, sales to China pick up
Caterpillar (CAT) on Tuesday posted third-quarter results that topped consensus expectations, with adjusted earnings of $1.34 per share on revenue of $9.88 billion each ahead of estimates for $1.13 per share on revenue of $9.19 billion. That represented a top-line decline of 23% over last year, which improved from the 35% drop reported for the second quarter this year. Earnings, however, were still down by half over last year.
While a drop in end-user demand over last year contributed to the ongoing declines, Caterpillar said Tuesday it expects “less of a decline in end-user demand” in the fourth quarter than in the third. The company also expects dealers to reduce their inventories by about $700 million in the fourth quarter and by $2.5 billion for the full year, or about in-line with its second-quarter guidance for inventories to fall by greater than $2 billion for all of 2020.
Construction industries, Caterpillar’s largest sales category, saw revenue drop 23% over last year to $4.05 billion. Every geography reported declines except for Asia Pacific, where sales grew “primarily driven by China demand, which was partially offset by lower sales in the rest of the region,” Caterpillar said.
7:15 a.m. ET Tuesday: Dow futures add 100+ points as equities look to recover some losses
S&P 500 futures (ES=F): 3,408.00, up 14.5 points or 0.43%
Dow futures (YM=F): 27,685.00, up 104 points or 0.38%
Nasdaq futures (NQ=F): 11,547.25, up 55 points or 0.48%
Crude (CL=F): +$.0.44 (+1.14%) to $39.00 a barrel
Gold (GC=F): -$2.90 (-0.15%) to $1,902.80 per ounce
10-year Treasury (^TNX): -0.4 bps to yield 0.799%
6:14 p.m. ET Monday: Stocks tick up after selloff
Here were the main moves in markets, as of 6:14 p.m. ET:
S&P 500 futures (ES=F): 3,397.6, up 4 points or 0.12%
Dow futures (YM=F): 27,603.00, up 22 points or 0.08%
Nasdaq futures (NQ=F): 11,508.25, up 16 points or 0.14%


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Despite high ambitions for the smart manufacturing sector, mobile operators are currently secondary players in that market – and 5G isn’t guaranteed to give them a leg up, according to ABI Research.
Consequently, says ABI, the short-term opportunity in manufacturing is forecasted to be only $2.6 billion by 2022 in a new report.
Essentially, says ABI senior analyst Pablo Tomasi, the problem is that the manufacturing market has grown without mobiles so far, and will continue to do so unless operators can think and act beyond their traditional boundaries to develop new market strategies that will help them crack what is a well-entrenched sector.
“MSPs [mobile service providers] have a chance to enter the smart manufacturing market building from the ground up, gaining trust as partners, and proving that the value of their offering is beyond what is currently delivered in the market,” Tomasi said, but added that while 5G is a promising technology to help them do that, “alone [it] is not enough, and with doubts on what business model will support it, 5G’s ability to integrate with legacy technologies, and the actual results delivered in harsh factory environments, there is much uncertainty about whether 5G will be a game-changer for MSPs in manufacturing.”
Operators must understand their competitive position in the market, be patient, prepare for a long journey, and align their ambitions with what the sector wants, he said. Partnering with market leaders will be essential – the recently announced partnership between Orange and Siemens is an example of what should be a growing trend.
But 5G will not be in the factory for a few years, and to be successful, a wider alignment between industrial vendors and mobile operators is essential. Even the private LTE solutions currently available are only at a very early stage in manufacturing and still the lack the success stories needed to prove their value in the market.
“The manufacturing market looks for enhancements, not disruption, and for solutions, not technologies,” Tomasi said. “MSPs should tailor their offerings, including 5G, to these enhancements and solutions.”


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A couple of days after NVIDIA essentially declared an all-out war on the chip sector with its Tegra 4i chip, Qualcomm answered. But the tech giant didn't just care to retaliate. Qualcomm has plans to demolish its rivals. In the process it wants to fatten up the pockets of its investors, while also saving its OEM partners potentially billions in production costs. In return, Qualcomm should see its stock advance 25% from current levels -- it's just a matter of time.
When Qualcomm reported first-quarter earnings several weeks ago, it was reassuring that amid such "doom and gloom" from likes of Texas Instruments, Qualcomm guided above prior fiscal Q2 estimates for revenue and EPS. Now we know why. Chances are, guidance will now prove too conservative. On Thursday, the chip giant shook an already shaken sector by announcing a revolutionary chip, the RF360 Front End Solution, which eliminates radio frequency band fragmentation -- the biggest headache for device manufactures.
Essentially, Qualcomm has combined all of the LTE platforms into one chip family. And by improving the RF performance, which now supports all seven cellular modes, this means that one platform can now function on every network. Now, OEMs such as Apple do not have to manufacture three versions of its iPhone 5 just to support multiple carrier frequencies. This is great news for Apple and Samsung, but bad news for chip competitors. Shortly after Qualcomm's announcement, shares of rivals RF Micro Devices and Skyworks Solutions plummeted 14% and 13%, respectively.
Qualcomm said the new chip should be available by the second half of this year. I would be surprised if it's not in the new iPhone. The question, though, is why would any device manufacture consider an alternative? The potential cost savings and logistics should spur margins higher. What's more, that the chip will have a smarter tuner, improved power consumption and better heat reduction, it should also save device manufacturers on after-purchase support and warranties.
For Qualcomm, this is truly a game-changing and competition-killing product. But what does it mean for the company in the near term? Given the Street's propensity to scream "cannibalization" each time Apple announces a new product, it seems logical to expect a similar effect on Qualcomm. Why would device manufacturers not consider postponing orders until the second half the year once the RF360 hits the market? This means the next couple of quarters from Qualcomm might be softer than usual.
We do know for certain that the new chip won't be available in Samsung's new phone, the Galaxy S IV, which is slated to hit the market next month. This presents an advantage to Apple, whose product cycle aligns perfectly with Qualcomm's release. And if you consider that Apple might also release a cheaper iPhone, Apple should certainly gain market share from Samsung in the next two quarters. So I would be buying shares of Apple here as well, since there's now a good chance that its unit growth should outperform.
In the meantime, this new chip should eliminate concerns about Qualcomm's operating leverage and margin pressure from Broadcom . Even though Broadcom's management guided for 8.2% growth in Q1 revenue, it still suggests 5% sequential decline. And the company has already received the Street's forgiveness after a "less bad" quarter. So, if we can agree that Qualcomm might suffer some cannibalization effects, it also makes sense to assume that Broadcom would see a decline in orders. For that matter, so should NVIDIA, even though the company recently boasted about taking market share at any cost.
However, this will be hard to do given Qualcomm's already 52% market share in baseband chips. Plus, Qualcomm projecting 17% growth in handset licenses for this year means that company plans to squeeze every bit of business it can in the market. Logically, if we can expect a weak next couple of quarters from Qualcomm due to soft orders, we should assume worst for rivals. But for now, the company is setting new standards, while pioneering the transition between device generations. Remarkably, at one point, investors were worried that Qualcomm was funneling too much of its profits back into research and development. Clearly these R&D investments are about to make investors very wealthy.
King of the smartphones?
There's a debate raging as to whether Apple remains a buy. The Motley Fool's senior technology analyst and managing bureau chief, Eric Bleeker, is prepared to fill you in on both reasons to buy and reasons to sell Apple, and what opportunities are left for the company (and more importantly, your portfolio) going forward. To get instant access to his latest thinking on Apple, simply click here now.
The article Qualcomm's New Chip Affects Apple and Samsung originally appeared on Fool.com.
Fool contributor Richard Saintvilus owns shares of Apple. The Motley Fool recommends Apple and NVIDIA. The Motley Fool owns shares of Apple and Qualcomm. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.
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Brexit has already caused more damage to supply chains than natural disasters and cyber-attacks combined
Uncertainty over Brexit is said to have already caused more disruption to supply chains in the last five years than natural disasters and cyber-attacks combined. That’s one of the key findings of a new report launched today by connected planning specialist Vuealta, which found that 50% of UK business decision makers felt that Brexit uncertainty had negatively impacted their supply chain in the last 5 years.
In comparison, just about 22% had suffered from supply chain disruption due to a cyber-attack, and 19% from a natural disaster. This was despite the fact that studies suggest extreme weather events have increased in the last six years, and a major cyber attack cost a global logistics business hundreds of millions of dollars as recently as 2017.
Other factors said to have caused a negative impact were through the failure of a single supplier (30%) and spikes in demand overstretching supply chain capacity (28%)….
France to declare natural disaster after storms rip through crops
France will declare a state of natural disaster after rain and hail storms lashed a swathe of the south-east on Saturday, devastating crops.
The flash storms, which brought hailstones as big as pingpong balls to some areas, killed two people in France and Switzerland, and injured at least 10 others.
The worst-hit area, the Auvergne-Rhône-Alps region, is at the heart of France’s food production and known as the “orchard of France”.
Didier Guillaume, the agriculture minister, said the government would organise a “general mobilisation” and introduce emergency measures to deal with what he described as a catastrophe for farmers…
Japan group launches website offering real-time predictions of disaster damage
Aioi Nissay Dowa Insurance Co., Yokohama National University and Aon Benfield Japan said Monday they have launched a free website that provides real-time predictions for the number of buildings at risk during natural disasters.
They expect the cmap.dev website to help users, including local governments, quickly access information about disasters and swiftly establish a response plan.
In the event of a natural disaster such as a typhoon, heavy rain or an earthquake, the website will estimate the number of damaged buildings in each city, town and village, using actual weather or seismic data.
The forecasts will be updated every hour depending on weather conditions. The website can be accessed in Japanese and English….


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After experiencing an explosion in online sales, bookstores are finding their customers. In the Librairie du Soleil branches in Gatineau and Ottawa, the recovery is going well.
“I even have the impression that people are reading more than before,” said president and founder Francine Mercier-Chevrier.
She said there were a lot of customers on Saturday.
“It was a really big day and it was very crowded for a summer Saturday. It’s going great and we’re pretty busy, ”she said in a phone interview.
Reading, she says, is an activity that takes place without having to take social distancing into account.
“It does it all by itself,” she added.
Librairie du Soleil was founded in 1988 in Gatineau. Since 2014, it has had a storefront on Boulevard Saint-Raymond.
Eight years later, in 1996, it acquired the bankrupt Trillium bookstore to have a branch in the federal capital. It is located inside the Byward Market on George Street and is frequented by students, parliamentarians and tourists.
The founder runs the two bookstores, which employ around 20 people, along with three employees who have become partners.
The two branches physically closed their doors on March 16 and 17 before reopening in early June after obtaining the green light from the authorities. Plexiglass panels are in place, entrances are limited, customers must wash their hands at the entrance and wearing a mask is mandatory.
During the closings, Librairie du Soleil faced an explosion of online orders from leslibraires.ca, by email and by phone.
“Children’s books, pocket books, bestsellers and literature in general were in high demand. We haven’t sold a lot of travel guides, “noted Francine Mercier-Chevrier, with a hint of irony.
Postal orders left Gatineau and Ottawa to be sent everywhere in Quebec.
“We have sent a lot of mail orders outside of our region, to Rimouski, elsewhere in Canada and even in Europe. Online sales have slowed since the shops reopened, but there are still a lot of them, “she said.
The bookstore has also set up a book picking service on site and a delivery service in the surrounding area.
“The father of a partner made deliveries by bicycle and former employees offered their services. We had great support, ”said Francine Mercier-Chevrier.
The founding president believes things will return to normal once a vaccine is in place.
“I’m optimistic, but I think we’ll have to wait for a vaccine. This virus is serious and people tend to forget about it, “she said, referring to the current period of deconfinement.
The enigma of room 622
Ferdinand Von Schirack
The forgotten of Sunday
The shadow of Gray Mountain
Don’t shoot the mockingbird
* Books can be obtained from independent bookstores via leslibraires.ca.


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One big question about Amazon.com's new Kindle DX, unveiled May 6, is how it will change people's reading habits, affecting the fate of textbooks, mass-market books and newspapers.
More than either of the device's two previous versions, the $489 DX is being discussed as an alternative to those print publications. It's the first model to include built-in support for the popular PDF format, a larger screen (though still not color) and autorotation of the display to suit the documents’ orientation.
Those technical improvements are one reason for the current flurry of excitement over the Kindle. But at least as important are the arrangements Seattle-based Amazon has made with publishers. Those relationships have some observers predicting the Kindle will make a gigantic cultural impact on how we read in the future.
"The most important thing about the new Kindle is its existence in an ecosystem that Amazon is creating," said Adrian Sannier, technology officer at Arizona State University, one of the six universities launching pilot programs with the Kindle DX. "It's all the elements coming together that makes this attempt so different."
He compared the Kindle to Apple's iPod and all other electronic readers to Microsoft's Zune.
"If you can find some music to put on the Zune, good for you," Sannier said. "The iPod is a music delivery system, with excellent software for finding and downloading and arranging your music, as well as a good player for the music."
Getting college students accustomed to the Kindle is important because they will likely retain that reading habit after graduating. College is the perfect training ground for a new way of relating to reading material.
E-readers still scarce
Whatever impact Kindle makes won't be immediate, because it and other electronic readers, sometimes called e-readers, are still scarce.
Citigroup Global Markets recently estimated that Amazon sold about 500,000 Kindles — launched in late 2007 — last year. That sounds like a lot, but think about it: how many people have you seen carrying around a Kindle? Citigroup's estimate puts ownership at just over 1/10 of 1 percent of the U.S. population.
But Kindle uptake is poised to increase. In anticipation, Apple is said to be preparing a Kindle competitor of its own, and Sony is reportedly working on a successor to its electronic reader. Other upstarts, such as Mountain View, Calif.-based Plastic Logic, have products on tap, too.
The five other schools launching DX trials this fall — Case Western Reserve University, Pace University, Princeton University, Reed College, and Darden School of Business at the University of Virginia — said they plan to offer the Kindle edition of selected texts from three publishers: Cengage Learning, Pearson Education and Wiley, together representing more than 60 percent of the U.S. higher-education textbook market.
Pace said it will get Kindles at a 50 percent discount from Amazon for the 50 students in its pilot program, and then provide them to the students at no charge.
"Eventually, the prices will come down, obviously," said Geoff Brackett, Pace University provost.
One big appeal of electronic texts is their lower cost. A 2005 Government Accountability Office report put the average cost of textbooks at $900 per year for students at four-year public colleges. (The textbook industry noted that the figure includes supplies and estimated that books alone cost about $625 per year.)
Kindle editions will likely be far less expensive than that. In fact, if they follow Amazon's typical pricing, Kindle editions will sell for half the price of printed copies, said Arizona State's Sannier.
"Paying over $100 for a textbook now is standard operating procedure," he said. "It's high time for another way."
Amazon declined to comment on how the Kindle texts will be priced.
Though the DX's $489 price tag is higher than that of its predecessors, Barclays Capital analyst Doug Anmuth wrote recently that the payback period will probably be less than three years.
Schools doing the Kindle pilots are excited about the prospect. Brackett called the move to digital texts "inexorable."
"I see a time when printed texts are niche,” he said. “We're at the tipping point. There are issues to be addressed: the profitable arrangement text publishers have with the universities, the profits made by university bookstores on texts. But I'm sure those will be worked out."
Big impact in mass market
Mass-market books are another area where the Kindle seems certain to make a large impact. The publishing industry says e-books now account for less than 1 percent of book sales. But Amazon says its Kindle Store has more than 280,000 titles, and in a dramatic moment during the DX launch, founder and chief executive Jeff Bezos said Kindle editions are selling at 35 percent of the level of their print equivalents, up from 13 percent in February.
Citigroup analyst Mark Mahaney estimates Amazon sold nearly 4 million Kindle editions in the year's first quarter. That's roughly 10 percent of all the books sold in the United States. He says Amazon is on track to generate $1.2 billion in Kindle-related revenue by 2010, equivalent to 4 percent of its total sales.
But can it save newspapers?
It's far less clear whether the Kindle will assist the deeply troubled newspaper industry. At the DX's introduction, The New York Times, Boston Globe and Washington Post said they'll offer the DX at a reduced price this summer where home delivery of those papers isn't available if buyers also take a long-term subscription to the Kindle edition of the papers. Those papers didn't return calls seeking details.
The three papers, plus 34 others, are already available in Kindle editions, which sell for a monthly fee of between $5.99 (Investor's Business Daily and others) and $14.99 (Le Monde and others). All include 14-day free trials.
New York Times executive editor Bill Keller in January said the paper "currently makes a modest amount of money" selling the paper's Kindle edition and another dedicated device called the Times Reader. Certainly an e-reader-based edition appeals to publishers, because it could offer a more predictable revenue stream than Web-based versions of the news. But many think e-readers won't help newspapers.
For one thing, Kindle editions don't currently contain ads, which irks some readers. Also, Kindle editions aren’t updated — they’re simply digital versions of a printed newspaper, and don’t refresh as the news changes. And the publications cost money, unlike the papers’ frequently updated online versions, which are available free even on the DX's basic built-in Web browser.
"Instead of trying to persuade consumers to adapt to an expensive, awkward and idiosyncratic gizmo like the wide-body Kindle, newspapers would be wiser to spend their time and resources optimizing their existing offerings for the interactive formats already in popular use," says Alan Mutter, a former cable Internet service provider executive who now writes about media and technology.
Regardless of the types of publications it displays, not everyone sees a brilliant future for the Kindle. Paul Starr, a professor of sociology and public affairs at Princeton, is among them. The doubts center on the fact that, though the Kindle is a good e-reader, that's all it is.
"For one thing, Amazon has been trying to develop a system that's walled off from everyone else's, except for the PDF capabilities," Starr said. "For another, as it develops, how multifunctional will be it? More like a dedicated word processor, which only does one thing, or more like a computer, for which applications are written by the thousands? The more versatile it is, the better it will compete."
This report contains material from The Associated Press.


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The pantone spring 2018 fashion color trend report. For springsummer 2019, its all about colors that are empowering and uplifting. Pantone, the worldrenowned authority on color, has you covered with their latest fashion color report for spring 2017. Colors this season transport us to a happier, sunnier place where we feel free to express a wittier version of our real selves, said leatrice eiseman. With that in mind, pantone, one of the top authorities on color for the design industries, revealed its fashion colors for spring 2017 with a report analyzing the frocks. Color stories for 201617 display a contrast between color that is real and unreal, absent and present and a mixology of what is in between, according to pantone.
Pantone fashion color report fall 2016 fashion trendsetter. Pantone introduces the top 10 colors for spring 16. Please practice handwashing and social distancing, and check out our resources for adapting to. Pantone unveils a palette of colors for spring 2017. For a fun trip down a colorful memory lane, take a peek at the reports from 2017, 2016, 2015, 2014 and 20.
Reality worlds tactical gear dark art relationship goals. Lenzing color codes springsummer 2021 pantone 194005 tpx stretch limo pantone 194023 tpx blue nights pantone 193900 tpx pavement pantone 193910 tpx iron gate pantone 171500 tpx steeple gray pantone 144203. Unlike the reigning soft pastels in spring 2015, the mustwatch shades of spring 2016 are a lot more saturated. Pantone forecasts trending colors for spring 2017 from nyfw.
Hard covered but soft to the touch, available in five fabulous colors, it includes weekly planning, monthly calendars, blank and lined pages, an expandable pocket plus stickers in four seasonal palettes. Top 10 pantone colors for spring summer bridesmaid dresses 2016. Pantone color report fall 2016 new york fashion week. Lenzing color codes spring summer 2021 pantone 194005 tpx stretch limo pantone 194023 tpx blue nights pantone 193900 tpx pavement pantone 193910 tpx iron gate pantone 171500 tpx steeple gray pantone 144203. See more ideas about printable planner, free printables and how to plan. Pantone and other pantone trademarks and s are the property of, and used with the permission of, pantone llc. This is not to say that the spring 2018 color trends pantone has chosen will not work as standalone colors, as they are fantastic on their own as well. Each brides wedding is a reflection of herself and what she envisions a perfect day to be.
Springsummer 2016 takes us into another dimension of color, one with many color contradictions and no hard and fast color rules. Spring 2016 colors pantone introduces the top 10 colors for. With that in mind, pantone, one of the top authorities on color for the design industries, revealed its fashion colors for spring 2017 with a report analyzing the frocks and fashion that came waltzing down the catwalks. In conjunction with new york fashion week, the pantone fashion color report provides a comprehensive overview of fashion designers use of color in their spring 2017 collections. Studies indicate that more than half of american women live in a county without a clinic that provides abortion. In addition to our thousands of processonly colors, cool pastels, hot neons, lustrous. The pantone planner is the ultimate gift for designers. As the color authority for the design industry, they. Cacm opportunities calendar location and date subject to change. After all, now is the perfect time to start planning and designing jewelry for the warmer months. Pantone color of the year 2016 pantone color of the year.
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Please wash your hands and practise social distancing. Sep 18, 2015 last week, pantone announced the spring 2016 color forecast. As per pantone spring 2017 fashion color report, it addresses our need to explore, experiment and reinvent. Sep 10, 2015 pantone introduces the top 10 colors for spring 16. Pantone brochure 2016 fashion season and roof color pairings. Top 10 spring colors of pantone spring summer 2017.
Pantone brochure 2016 fashion season and roof color pairings author. This month,pantone, the longtime global authority on color trends and standards for the design industries, revealed the spring 2016 edition of its semiannual fashion color report. Entering into a new dimension of color in springsummer 2016. Along with anchoring earth tones, exuberant pops of vibrant colors also appear throughout the collections. Spring was popping on the runways recently at new york fashion week.
Pantone introduces a seasonal classic palette for spring 2018. According their predictions, next year will be all about the gentle, soothing colors. How to decorate with the pantone 2016 colors of the year. I am always super excited about this because i am a huge color nerd.
New york fashion week spring 2016 pantone color report. Pantone fashion color report spring 2016 fashion color report 2016 pdf direct link. Download it once and read it on your kindle device, pc, phones or tablets. Apr 20, 2017 brighten your space with accessories in pantones latest happy hues. For the first time pantone introduces two shades, rose quartz and serenity as the pantone color of the year 2016. These ten shades cover the spectrum from sunny yellows to rich blues, and will be beautiful compliments to the happy couple. As a key neutral for spring, the pantone shade brings a natural earthiness to mind. New york fashion week designers and fashion industry color trends. Brighten your space with accessories in pantones latest happy hues. Colors this season transcend cultural and gender norms. We fell in love with pantones top 10 colors for the season because they are bright, vivid, and imaginative. This will allow our spring break to align with pittsburg state university and other area schools. Pantone fashion color forecasting for spring 2018 with the use of color gaining in importance, the pantone fashion color trend report spring 2018 edition features the top 12 colors for mens and womens fashion, highlighting a more multifaceted color story that expands the opportunity for selfexpression.
There may be a lot of changeups on this seasons new york fashion week calendar. Pantone fashion color trend reports pantone europe. Pantone releases the 10 colors to watch for in spring 2016. Usd 247 district calendar for 201617 usd 247 southeast lancers. The pantone spring 2018 fashion color trend report is. Rounding out the spring 2017 colors, is hazelnut, a key neutral for spring. No matter what youre looking for or where you are in the world, our global marketplace of sellers can help you find unique and affordable options.
Last week, pantone announced the spring 2016 color forecast. Its new york fashion week and that always brings a pantone fashion color trend report. For immediate collection call 08451 24 7 365 monday 30 may to book or for more information on all services visit. Even though fall is in the air, spring is on pantones mind. Specialty paper in top colors for 2016 wedding invitations and wedding stationery. Sep 30, 2015 pantones top color for spring 2016 september 30, 2015 december 30, 2015 viktor milevski weve presented you the top 5 colors for this autumn, but the experts from pantone chose the color that will definitely mark 2016. Nov 28, 2016 in conjunction with new york fashion week, the pantone fashion color report provides a comprehensive overview of fashion designers use of color in their spring 2017 collections. Pantone released their wedding color picks for spring and summer 2016. Use features like bookmarks, note taking and highlighting while reading 2016 springsummer style guide. Cacm 2016 pantone 7580 c pantone 756 c pantone 294 c pantone 445 c. As always, picking favorites is a tough game to play but this year, im loving the purples of the bunch. If youve always wondered why most releases from fashion and beauty brands this year are leaning to the pastel pink and blue trend, its because of pantones colour of the year for 2016 are rose quartz and serenity. Known worldwide as the standard language for accurate color communication, from designer to manufacturer to retailer to customer. See all formats and editions hide other formats and editions.
Last years report felt brighter, but 2018 is still super vibrant. As usual, there are 10 colors in total that have been chosen for next season, which shows us the most popular wedding color ideas and trends in 2016. Transcending gender, these unexpectedly vivacious colors in our fall 2016. Apr, 2016 at the april regular board of education meeting the board approved amending the school calendar for the 20162017 school year by adjusting spring break to one week later. Serenity is weightless and airy, like the expanse of the blue sky above us, bringing feelings of respite and relaxation even in turbulent. Spring 2017 pantone fashion color report artbeads blog. See more ideas about pantone, spring 2016 and color trends. Spring summer 2016 takes us into another dimension of color, one with many color contradictions and no hard and fast color rules. New year, new colors pantones 2016 spring colors in paper. The color experts at the pantone color institute travel across continents collecting color information from runways, decorator showrooms, car shows, and the like. There may be a lot of changeups on this seasons new york fashion week.
Etsy is the home to thousands of handmade, vintage, and oneofakind products and gifts related to your search. Fashion week to identify the 10 most directional colors. Feb 20, 2020 free photo calendar template 2016 v 25 free photo calendar template 2016, download printable free school calendar 2016 2017 calendar stay safe and healthy. Pantone just released its fashion color reports for spring 2016 a few days ago. Spring 2016 pantone fashion color report new york fashion. Sep 10, 2015 spring 2016 tones range from pink to gray, and every shade between. This month, pantone, the longtime global authority on color trends and standards for the design industries, revealed the spring 2016 edition of its semiannual fashion color report. Las vegas pantone revealed reveal, its color trends for autumnwinter 20162017 for womens and mens fashion, activewear, cosmetics and lifestyle, as well as industrial and graphic design. Spring 2016 tones range from pink to gray, and every shade between. After careful analysis, pantone has announced the 2017 color of the year and top 10 colors of 2017 based on the overarching message that the color conveys and what it can do to shape our experiences. Put away those cozy woolens and wintry whites and make way for spring blooms.
Spring 2016 colors pantone introduces the top 10 colors. They can be mixed with each other, used on their own or in combination with other colors. Top 10 pantone colors for spring summer bridesmaid dresses. Pantone for graphic design the pantone plus series for graphics and multimedia now features 112 new solid colors for a total of 1,867 choices for selecting, specifying and matching pantone solids. The printed colors shown here are simulations, which may not match the pantone color standards. The pantone color institute and trend forecast agency fashion snoops enjoy a long time partnership. Pantone spring 2020 pantone summer 2020 color combos with five colors.
All your burning questions about upcoming color trends are probably answered within the pages of pantones colour planner summer 2016. September 30, 2015 december 30, 2015 viktor milevski. Published for the fashion industry by the pantone color institute, pantones trend forecasting and color consultancy, the fashion colour trend report is your guide to the seasons most important color trends. Rose quartz is a persuasive yet gentle tone that conveys compassion and a sense of composure. Fashion color trend report new york springsummer 2020 pantone. Furthermore, we will get some color inspiration for spring bridesmaid dresses. How to wear pantones fashion colors spring summer 2016 kindle edition by thoden, jennifer. With formats ranging from our classic square wall calendar to planners and journals in a variety of sizes, date ranges, and seasonally curated trending colors including the electrifying pantone color of the yearour extensive line of pantone products has something to fulfill every style and need. Pantones top 10 colors for spring 2016 hint at calm wwd. Unpretentious and with an inherent warmth, hazelnut is a transitional color that effortlessly connects the seasons. The lenzing group has published their fashion color trends forecast for spring summer 2021. During the spring may bank holiday period tnt special services provides collection and delivery services round the clock, 247365.
Please practice handwashing and social distancing, and check out our resources for adapting to these times. This pantone spring 2018 shade is earthy brown based red which adds flavor of a different kind when it comes to fashion. Pantone color since it is the color of foliage, this pantone shade spreads healthy lifestyle all around. Pantone palette for spring 2017 pantone spring predictions. Pantone brochure 2016 fashion season and roof color. How celebs are wearing pantones top colors for fall 16. New york fashion week september 1017, 2015 spring2016. Each season the report highlights top colors fashion designers are showing off in their collections for the upcoming season. Beginning of a dialog window, including tabbed navigation to register an account or sign in to an existing account. Jun 20, 2018 pantone spring 2020 pantone summer 2020 color combos with five colors. Well save the story on how pantone chooses the colour of the year for another post but basically. Pantone is your color partner for design, offering tools for color savvy industries from print to apparel to packaging. Weve presented you the top 5 colors for this autumn, but the experts from pantone chose the color that will definitely mark 2016.
The 120 pages cover color forecasts18 months ahead of the seasonand are arranged by color themes. Pantones top 10 colors for spring 2016 hint at calm. Pantone 20 wall calendar calendar august 1, 2012 by pantone author 4. The pantone spring 2018 colors range from bright to rich, and we can all gear up for interesting and delightful combinations. The lenzing group has published their fashion color trends forecast for springsummer 2021. Entering into a new dimension of color in spring summer 2016. Pantone announces most fashionable colours of spring 2016. A unity of strength, confidence and complexity the desire for tranquility, strength, and optimism have inspired a fall 2016 color palette that is led by the blue family. Expect a soft romantic violet rose in pink lavender of pantone spring 2018. Sep 29, 2016 if youve always wondered why most releases from fashion and beauty brands this year are leaning to the pastel pink and blue trend, its because of pantones colour of the year for 2016 are rose quartz and serenity.432 1501 136 1271 1361 1348 1028 623 737 1281 1066 1383 1415 396 742 505 467 1358 711 133 1131 534 597 89 1424 860 203 441 1502 1061 70 1335 382 339 1447 1422 894 1014 596 943 274 275 905 426 1428


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The Truth About Soy
Is soy a disease-preventing miracle food or a dangerous health threat disguised as diet-friendly protein? Here are both sides of the story, and why there's no clear picture of soy's health pros and cons.
The U.S. Food and Drug Administration announced in 1999 that diets including daily soy resulted in a significantly reduced risk of heart disease, the No. 1 cause of death in the United States, then and now.
With the announcement, soy officially became a darling of the health-food world and a cornerstone of American diets.
Fast-forward 13 years, and soy products are still widely seen as healthy alternatives to their animal counterparts. Soy protein saturates supermarket shelves — sneaking into everything from cereal to protein bars to crackers to frozen meals and even surprising places like some brands of canned tuna — not to mention the more recognizable forms of soy, including edamame, tofu, soy milk, soy cheeses, and soy meats.
But as soy's popularity wages on, some notable nutritionists and doctors now warn against consuming soy in any form, including the processed and packaged foods that contain types of soy protein.
Isoflavones: Soy's Potentially Dangerous Compound
The reason is soy's isoflavones, a naturally occurring plant compound that is present is all forms of soy, including organic soy, which is a type of phytoestrogen. Phytoestrogen is produced by plants and is slightly different from the estrogen hormone produced by the human body. But in excess, it can create some of the devastating effects of estrogen overload in both men and women. Although soy isn't the only source of isoflavones in the modern diet (all legumes have them), soy is the most concentrated, says Amy Gross MPH, RD, CDN of the NewYork-Presbyterian Hospital Weill Cornell Medical Center in New York City. To make things more confusing, while isoflavones harm some people, they have been found to be beneficial in others.
"There are different theories as to why these things may affect us differently, or exacerbate one thing and improve another in our bodies," Gross says. "It could potentially bind to estrogen receptors in different cells in our body. It could act similarly to estrogen or take over where estrogen would usually take over when looking at that receptor itself that would be on that individual cell. There is a lot of research that tells different stories."
Soy's Health Benefits and Risks: Why the Jury Is Out
"Soy is very heavily marketed as a healthy food," says Kaayla Daniel, PhD, a nutritionist and author of the book The Dark Side of Soy, "but the fact is, we've got hundreds of studies that link soy consumption to malnutrition, ADHD, immune system, reproductive health problems, digestive disorders, certain types of cancers, and more." It is also important to note that non-genetically modified soy and organic soy has been linked to these health conditions as well, Daniel says. Israel and Germany have issued warnings against the consumption of soy foods for young children and infants. New Zealand also warns that soy formula for infants should only be used as a last resort. To date, these three countries are the only ones to come out forcefully against soy consumption.
Still, some studies indicates that soy in moderation, particularly tempeh, miso, and other soy sources with relatively low levels of isoflavones, can be beneficial — though many of these pro-soy studies have been funded by soy lobbying groups, such as the Soybean Board.
Here's a look at some of the conditions soy can affect.
- Thyroid function. Hypothyroidism is often cited as the greatest risk of soy consumption: Just 30 grams of soybeans a day for 30 days produced thyroid issues in healthy adult men and women, a landmark study at Aichi Medical University in Japan found. "Soy is one of the many factors that puts the thyroid at risk," Daniel says, "and we know from many studies that just one glass of soy milk per day is sufficient to cause thyroid problems."
- Allergies. The cause of itching, inflammation, hives, and even deadly anaphylaxis, soy is one of the top eight allergens in the food supply, the FDA reports. Because of these concerns and rising rates of soy allergies, the FDA began requiring food producers to print a "Contains: Soy" label on any food with any type of soy. "Because there's soy in just about everything that’s processed, people with soy allergies are really going to have to prepare foods from scratch — a blessing in disguise for overall health," Daniel says.
- Reproductive risks. Several studies, including one recently conducted at the University of Geneva Medical School, have linked the isoflavones in soy to a decreased sperm count and sexual side effects in mice. Soy-and-mice studies are numerous and controversial because critics argue that mice studies do not have a direct human application and that the mice studied are given much more concentrated doses of soy than any human would eat. "It’s true that mice and humans are different, but if soy adversely affect animals, it’s obvious that there’s going to be some effect on humans as well," Daniel counters.
- Cancer risk. Cancer and soy is one of the most hot-button health issues today. Some studies, including one that tracked almost 100,000 California women for eight years, have found that soy consumption decreases risk for ovarian or breast cancers. A second study that tracked 64,000 Japanese women for 15 years linked soybean curd, specifically tofu, consumption to a decreased mortality rate from ovarian cancer.
On the flip side, multiple studies have linked soy consumption to breast cancer recurrence, meaning if a woman already has breast cancer, it's likely to come back if she eats a soy-heavy diet. Mark Messina, MD, who is an advisor to the U.S. Soybean Board, says studies have linked soy consumption to a decreased risk of prostate cancer, however a recent Swedish study concluded the opposite.
- Heart health and weight management. If there's one thing those on both sides of the soy debate can agree on, it's that soy products are an excellent source of lean protein. "If you’re choosing soy instead of a higher fat meat source as your protein, you will have less calories and less saturated fat, so it will be more of a heart-healthy choice," Gross says. "If you're doing it correctly, eating lower-calorie soy products instead of animal products could help with managing your weight." Studies have also found that regular soy consumption can lower bad LDL cholesterol.
- Menopause. In some women, soy's isoflavones improve symptoms of menopause, such as hot flashes. In others, soy only exacerbates symptoms, Daniel says."That’s why we need to respect soy as actually being a powerful medicine that is sometimes appropriate and many times not appropriate," she explains. Unfortunately, the only real way to know how it will affect you is to try it, Daniel says, because there's no test to determine soy's affect on individuals.
Should You Eat Soy?
Soy, like all foods, has pros and cons, so like all foods, the take-home message is to consume it in moderation. Gross recommends eating one to two servings a day, max, as part of a balanced diet, which includes plenty of fruits and vegetables, whole grains, low- or nonfat dairy, and other sources of lean protein. Because soy often hides in processed foods under aliases such as "textured vegetable protein," it's important to read nutrition labels on anything you buy to make sure it doesn't have hidden soy along with other ingredients.
"Soy is in so many things you might not expect," Daniel warns. "Just about everything that comes in a package. If you’re eating a lot of processed and packaged foods, you're also eating additives and flavorings, high-fructose corn syrup, and who knows what else, so it's not just the soy that's the problem in those products."
Instead, Daniel and Gross both recommend preparing whole foods at home that you can make from scratch, and avoiding processed foods whenever possible for overall health.
"I think that it’s entirely appropriate to include soy in your diet," Gross says. "But I wouldn’t have it be everything that you’re eating. We need a variety of foods, and if you're focusing on one food, you might be missing out."
TELL US: Are you for or against soy? Sound off in the comments.


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SRAM has announced an all-new SRAM product family, going by the name of XX1.
The 1X mountain bike drivetrain has been designed for enduro and XC racing.
The official details on the new family are decidedly slim (though there’s more on the likes of BikeRadar), but the official blurb said it features ‘innovative chain management technologies’ (including TYPE 2 and Cage Lock) and what SRAM said is the ‘widest range cassette available today’.
XX1 will be launched globally at Crankworx Les 2 Alpes, July 9th to 15th. In the meantime, here are a few pics:
Register for the BikeBiz News Digest at the registration page.


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On March 24th, members of the equestrian trade gathered at the Hilton East Midlands for the BETA Conference and BETA Business Awards. This was the first BETA Conference in two years due to covid.
The event featured talks from speakers covering different aspects of business that are incredibly important in the world we live in now.
Gillian McAteer from The Citation Group was first to give her talk, which focused in on HR and issues connected to covid. Gillian shared examples of covid related cases that were raised at tribunal and explained what the examples showed and the lessons we could all learn from them. Not only did this help to illustrate the key points around vulnerable areas for companies, but also the key areas that employers needed to be aware of to protect the workforce.
The Citation Group: https://thecitationgroup.com/
Next, delegates were treated to a talk titled: ‘How to employ the right people and keep them’, given by Emma Dyer from Equine Careers. Emma shared practical tips for how to attract the right people to your brand in addition to how to write an amazing job advertisement to help get the right people to apply. Moving on, Emma also covered the area of retention and shared the seven steps to staff retention including first impressions, company culture, performance environment, training managers, encouraging communication and clarity, utilising people’s skills and, when things don’t work out, the value of the exit interview.
Equine Careers: https://www.equine-careers.co.uk/
Tim Smith from TSM Marketing was next to speak and covered the importance of a combined approach when it comes to marketing – utilising on page marketing with social media and digital. He shared different techniques and ideas around traditional and more modern marketing styles, and also fielded a lot of questions from the audience that covered influencer marketing and so much more.
Richard Cole from Future Money Ltd then spoke around factors shaping the economy past, present and future, and provided everyone in the room with a great overview and the important why behind it. He explained what the increases in fuel and energy costs mean for business, how supply chain difficulties have led to an increase in prices, and now inflation has added another layer. But Richard’s talk was far from doom and gloom. He explained that a lot of the issues that are currently being experienced are still linked to covid, and also the signs for recovery we have seen with the UK economy being in a strong position, above pre-pandemic
Future Money: https://www.futuremoney.co.uk/
The future of retail was the subject of the next talk, delivered by Craig Smith of C & A Retail Consultants. Craig shared how the power has shifted when it comes to what retailers stock and how this is now with the customer. He talked about the agility of retailers (as shown by how many pivoted so well during the lockdowns), and insight around the struggles that bricks and mortar businesses face. Craig talked about how rotas are created in line with employees and their schedules rather than when the customer needs the service, and how this could be something to look at. The ‘experience economy’ was also discussed and how Craig, in his time with Pets At Home, had worked to give people more reasons to visit the store… and did this through taking away 30% of products. He discussed mindset shifts, in store events, immersive experiences using tech, how stores can make people feel, and also asking people what could have been better.
And last, but by no means least, we heard from Mike Seaman of Raccoon Events. Mike shared his company’s sustainability journey and the steps that Raccoon is putting in place to help make events more sustainable as it targets net zero. He explained that it hasn’t been an easy journey and whilst hiring sustainability experts has a cost implication, some of the savings that have been made as part of the drive to be more sustainable have saved the company money. He talked about targeting net zero, how Raccoon is incentivising suppliers to also become more sustainable, and the difference between visible and invisible impact and how this makes people feel and think of a show as being more sustainable. Mike urged the room to just start. There’s a lot that can be done to cut down on waste and become more eco-friendly and although it’s easy to get overwhelmed, how the key was simply getting started.
You can watch the recording of the conference and awards for £25 + vat pp.


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Let us suppose we can divide the world into those who trust service companies to treat their customers fairly, and those who assume that service companies will be looking to exploit any customer weakness or lapse of attention.
For example, some loyal customers renew without question, even though the cost creeps up from one year to the next. (This is known as price walking.) While other customers switch service providers frequently to chase the best deal. (This is known as churn. B2C businesses generally regard this as a Bad Thing when their own customers do it, not so bad when they can steal their competitors’ customers.)
Price walking is a particular concern for the insurance business. The UK Financial Conduct Authority (FCA) has recently issued new measures to protect customers from price walking.
Duncan Minty, an insurance industry insider who blogs on Ethics and Insurance, believes that claims optimization (which he calls Settlement Walking) raises similar ethical issues. This is where the insurance company tries to get away with a lower claim settlement, especially with those customers who are most likely to accept and least likely to complain. He cites a Bank of England report on machine learning, which refers among other things to propensity modelling. In other words, adjusting how you treat a customer according to how you calculate they will respond.
My work on data-driven personalization includes ethics as well as practical considerations. However, there is always the potential for asymmetry between service providers and consumers. And as Tim Harford points out, this kind of exploitation long predates the emergence of algorithms and machine learning.
In the few days since I posted this, I’ve seen a couple of news items about autorenewals. There seems to be a trend of increasing vigilance by various regulators in different countries to protect consumers.
Firstly, the UK’s Competition and Markets Authority (CMA) has unveiled compliance principles to curb locally some of the sharper auto-renewal practices of antivirus software firms. (via The Register).
Secondly, new banking rules in India for repeating payments. Among other things, this creates challenges for free trials and introductory offers. (via Tech Crunch)
Machine Learning in UK financial services (Bank of England / FCA, October 2019)
Tim Harford, Exploitative algorithms are using tricks as old as haggling at the bazaar (2 November 2018)
Joi Ito, Supposedly ‘Fair’ Algorithms Can Perpetuate Discrimination (Wired Magazine, 5 February 2019)
Duncan Minty, Is settlement walking now part of UK insurance? (18 March 2021), Why personalisation will erode the competitiveness of premiums (7 September 2021)
Manish Singh, Tech giants brace for impact in India as new payments rule goes into effect (TechCrunch, 1 October 2021)
Richard Speed, UK competition watchdog unveils principles to make a kinder antivirus business (The Register, 19 October 2021)


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Skills are what Amazon calls programs that run on their popular voice-activated assistant called Alexa. People can buy these skills on skills stores, just like you can buy apps for your smartphone. However, there are privacy risks and security concerns for these skills.
Researchers at North Carolina State University collected over 90,000 skills from seven different skill stores using an automated program. The then analyzed the skills using an automated review process.
The first issue they found was that Amazon does not verify the name of the developer displayed for the skill in the skill stores. This means anyone can use the name of a well reputed company to register to sell their skills.
The next issue involves Amazon allowing multiple skills to use the same invocation phrase. This means that when you activate one skill, you may be activating another skill that uses the same invocation phrase. Hence you may be giving out your information to other developers unknowingly.
Back End Code
The third issue the developer found was that the developers of the skills can change the code after the skills are approved by Amazon. This means they can modify the code to get additional information from users, or worse, perform malicious behavior.
Finally, the researchers found that 23.3 percent of skills that request personal data do not have privacy policies or have misleading privacy policies. The privacy policies are required by Amazon if a skill request sensitive personal data like location, phone numbers, full names, etc.
Amazon’s Alexa is a very popular voice-assistant, with more than 100 million devices sold. However, like all technology that makes our lives more convenient, care should be taken to ensure privacy and security.


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There is a movement to camo the FedExForum for the next Grizzlies home game, on the night of Wednesday, November 11. That of course is Veteran’s Day. Not only would it be a way to honor our veterans at the game, but it would be a way to show solidarity behind the team as they host defending NBA champions the Golden State Warriors. Choose901 will be selling “Defending the Bluff” camo shirts at the game for only $10, with proceeds going to the Wounded Warrior Project, an organization that helps veterans get transportation they otherwise couldn’t afford to get them the medical care they need.
Bardog is seeking a brunch server/bartender Saturday-Sunday 10-5. Only serious applicants need apply, and you can do so by dropping by the bar Monday-Friday between 2 and 4 PM to fill out an applications. Must be capable of putting up with John D and me on Saturdays.
Several pieces of Thanksgiving news this afternoon. First of all, from Mashable: What your Thanksgiving dinner plate says about your personality. For those of you who remember the Nuh-Uh Girl, she is an analyst. She loves digging into people’s psyches and exploring their eccentricities.
LUNCHBOXeats has released its order and pick-up Thanksgiving dinner menu for 2015. You can select from complete dinner packages for the entire family, or just entrees, just sides, or just desserts. You need to have your order in by November 16.
Another place cooking Thanksgiving turkeys for pickup is Central BBQ. You can pre-order a 10 to 14 pound turkey for $44.99. Turkeys are slow-smoked to perfection. It is kind of blasphemy for me to say this, because we Memphians are supposed to love our pork, but the Cajun turkey plate is probably my favorite thing on Central’s menu.
This is not a Downtown event, but nevertheless is worth a trip out to the Agricenter: India Fest this Saturday, November 7. It’s a celebration of Indian food, culture, music and dance and it is highly regarded by those who have been in past years. Most definitely worth checking out if you enjoy foreign cultures.
Hungry Memphis has a post about Double J’s BBQ egg rolls. Hungry Memphis blogger Michelle Lewis was surprised by how big they were, and recommends having them with Double J’s BBQ sauce.
TechCamp Memphis happens this Saturday at the Southwest Tennessee Community College Library. For attendees of the conference, there will be a special happy hour Thursday at the Downtown Flying Saucer, a chance for those attending to get to know one another in advance.
Slate has the best way to re-heat pizza. It’s nearly as fast as a microwave and does not involve an oven.
All right. Time to put a wooden nickel in my pocket and see Melissa about a 5 cent PBR. That’ll do it for this post.