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Why The SEC’s Lawsuit Gives Confidence That Bitcoin is Not a Security

By Peter Eberle, CIO — Castle Funds  The Securities and Exchange Commission (SEC) considerably influences the market’s regulatory framework. Recently, the SEC’s lawsuit and investigations targeting Binance and Coinbase have raised crucial questions about classifying various digital assets. Yet amidst the legal scrutiny and uncertainty, there shines a glimmer of clarity that fortifies Bitcoin’s position as a non-security.  Photo/Pete Linforthbitcoi This lawsuit raises questions about why Bitcoin stands apart from other coins, the significance of its decentralized nature, and the implications of the SEC’s repeated acknowledgment that Bitcoin does not fall under the umbrella of securities. Far from spelling doom for the crypto industry, these developments provide a much-needed affirmation that Bitcoin — with its unique characteristics and regulatory clarity — remains an exceptional asset for investors. Bitcoin emerged through mining, where a decentralized network of individuals worldwide contributed to its creation. Unlike traditional currencies or other digital coins, Bitcoin wasn’t launched through a public offering or controlled by a central organization. Instead, through the collaborative efforts of participants using powerful computers to solve complex mathematical problems, new Bitcoins were created, allowing the system to be open to anyone who wished to join and contribute to its growth.  This contrasts with certain projects that raised funds through unregistered “initial coin offerings”, which centralized their control and ownership while not completing the required disclosures to investors. Bitcoin, on the other hand, has thrived on its inclusive and community-driven origins. Crypto fraud and regulations: navigating the shadows Operating under its investor protection mandate, the SEChas embarked on investigations targeting Binance and Coinbase, two prominent players in the crypto landscape. These actions have highlighted the delicate balance between ensuring investor protection and fostering innovation in this nascent domain. Within the SEC’s scrutiny, certain coins have been labeled securities due to their involvement with centralized organizations and raising funds through unregistered initial coin offerings to retail investors. However, Bitcoin has remained notable for not being the subject of these allegations.. The SEC has consistently affirmed that Bitcoin stands apart from its counterparts. Its decentralized nature has shielded it from being labeled as a security, as there was never a public offering for Bitcoin. The open network of mining activities, accessible to all, served as the genesis of this remarkable digital currency. This crucial distinction sets Bitcoin on a different trajectory, positioning it as a beacon of regulatory clarity in the crypto sphere. While some may perceive the SEC’s actions as a sign of impending doom for the industry, a closer examination reveals hope. Rather than signaling the demise of cryptocurrencies, the regulatory focus on fraud and investor protection underscores the need for proper education and caution when engaging in this exciting but complex landscape. As the SEC sheds light on illicit practices, it paves the way for enhanced awareness and responsible investing in the crypto market. Why Bitcoin is not a security: the case for decentralization In spite of the regulatory scrutiny surrounding cryptocurrencies, Bitcoin stands tall as a remarkable exception. Unlike certain coins labeled securities by the SEC, Bitcoin has consistently evaded this classification.  At the heart of the matter lies the decentralized nature of Bitcoin. Unlike securities that often raise funds for central organizations, Bitcoin emerged through “mining” — a process that involved individuals worldwide utilizing their computing power to solve complex mathematical puzzles in order to create new Bitcoins. The absence of a centralized authority or public offering for Bitcoin differentiates it from the securities realm. Bitcoin represents a digital asset born out of an open network accessible to all. No exclusive group or privileged individuals can claim ownership over its creation. This decentralized structure safeguards Bitcoin from being categorized as a security, as it lacks the traditional characteristics associated with securities issuance. While the SEC’s focus on investor protection is crucial, its recognition of Bitcoin’s exemption from the security classification is a positive affirmation. Instead of heralding the downfall of the crypto industry, this acknowledgment provides a foundation for investors to explore the world of Bitcoin with greater confidence and certainty. Investing properly in crypto: navigating the volatile terrain First and foremost, it’s important to recognize that the crypto market is highly volatile. Price fluctuations can be swift and dramatic, driven by factors ranging from market sentiment to regulatory developments. Therefore, thorough research and a comprehensive understanding of the underlying dynamics are essential before diving headfirst into crypto investments Diversification is a key principle that applies not only to traditional investments, but also cryptocurrencies. Diversifying your portfolio across different digital assets can mitigate risks and enhance potential returns, allowing you to better hedge against the volatility of the crypto market and capture opportunities across various tokens or coins. In addition, it’s crucial to stay informed about the latest trends, news, and regulatory updates in the crypto space, as the evolving nature of this industry demands continuous learning and adaptability. By keeping your finger on the pulse of the crypto market, you can make well-informed investment decisions and navigate potential pitfalls more effectively. Furthermore, exercising caution and employing proper risk management strategies are paramount. Investing only what you can afford to lose and setting clear financial boundaries can help safeguard your capital in the face of market uncertainties. Additionally, consider utilizing tools such as stop-loss orders or trailing stops to protect your investments and mitigate potential losses. Engaging with reputable and secure platforms for crypto trading is also crucial. Conduct due diligence on the exchanges or platforms you plan to use, ensuring they adhere to stringent security measures and regulatory compliance. Safeguarding your digital assets against hacking or fraudulent activities should be a top priority in the crypto landscape. Finally, seeking professional advice or guidance from experienced individuals or firms specializing in cryptocurrencies can provide valuable insights and help you make informed investment decisions. These experts can better understand market trends, risk management strategies, and emerging opportunities within the crypto ecosystem. Personal finance, and crypto: protecting your assets Maintaining a robust personal finance strategy is essential for navigating the crypto space effectively. Establishing clear financial goals and assessing risk tolerance before engaging in crypto investments is crucial. Dedicating time to financial planning, budgeting, and diversifying your investment portfolio can help maintain a balanced and resilient financial foundation. Furthermore, keeping accurate records of your crypto transactions, including purchases, sales, and transfers, is crucial for tax compliance and overall financial transparency. Consulting with tax professionals knowledgeable in crypto taxation can provide valuable guidance in navigating the complexities of reporting crypto-related activities. Decentralization plays a critical role in the world of cryptocurrencies, and the unique decentralized structure of Bitcoin sets it apart from traditional securities and forms the backbone for the growth and adoption of digital assets. This innovative technology poses a challenge to conventional financial systems, giving individuals the power to manage their financial future and participate in a more equitable global economy. — Peter Eberle, Chief Investment Officer of Castle Funds, brings a wealth of expertise in portfolio management, derivatives trading, and risk management. Peter’s career trajectory includes notable roles as an options market maker for Group One Trading LP, a partner at Oppenheimer, Noonan, Weiss, LLC (“ONW”), and a Co-Head of Trading on the Pacific Exchange for Goldman Sachs Group, Inc., where he also served on the U.S. Equity Derivatives Risk Management Committee. He holds an MBA from the University of Pennsylvania’s Wharton School of Business.    More...

by Brandon Jones | Published 7 months ago

Oil and Gas Industry Support

When oil prices plunged during the second half of 2014, dropping nearly 60 percent over seven months, it triggered a restructuring in the oil and gas industry, and many companies had to reduce overhead to stay afloat. Reducing payroll by letting expensive engineers go was one of the tough decisions many oil and gas companies made at that time. Photo/Tech collector via wikimedia commons As the industry stabilized, companies faced the need to regain the expertise they lost to layoffs. Rather than rebuilding their internal teams, however, they began to draw their engineering expertise from external vendors. As that shift played out, Wajax emerged as a top option for innovative, effective, and cost-efficient engineering solutions in the oil and gas industry. “When we saw our customers cutting their knowledge base, we saw we could help them by building ours,” says Iggy Domagalski, President and CEO of Wajax. “We grew that part of our business massively, developing our knowledge capabilities so we could provide businesses with smart people who can solve problems and add value to the products they utilize to do their work.” Wajax has been the driving force behind Canada’s industrial landscape for over 165 years. Founded in 1858 as a small blacksmith shop in Montreal, Wajax now serves more than 30,000 customers from 119 branches across the country. The company’s commitment to empowering its customers through creating meaningful connections has made it one of Canada’s longest-standing and most diversified industrial products and services providers. “The technology that drives today’s oil and gas industry is often complex, requiring the type of programming and integration that only skilled technicians can provide,” Domagalski explains. “Wajax provides those products as well as the expertise needed to make sure they work as intended, supporting our customer’s operations and promoting their business goals.” Providing products and services that minimize downtime Minimizing downtime is important in any industry. After all, lost production translates to lost revenue and can threaten customer loyalty. In the oil and gas industry, the stakes are especially high when it comes to downtime. Maintaining efficient, uninterrupted operations helps oil and gas companies to minimize their environmental impact. Downtime can also create safety risks, creating situations that threaten the stability of systems. “We know maximizing uptime is critical for our customers,” says Domagalski. “That’s why we have worked hard over our long history to establish partnerships with world-class brands providing awesome products that deliver optimal uptime. From giant mining excavators to tiny bearings and everything in between, we supply businesses with products that keep them up and running. We focus on providing high-quality products that run longer and more reliably because we know how damaging downtime can be.” According to Domagalski, Wajax also helps businesses minimize their downtime by making its expertise available whenever and wherever it is needed. “We are coast-to-coast, from Vancouver Island to the tip of Newfoundland,” he explains. “With over 3,000 employees at 119 Wajax branches across the country, we can get a technician to you quickly, 24/7, no matter where you are.” Developing customized programs that support peak performance Preventive maintenance has become a foundational practice in the oil and gas industry, empowering companies to address potential issues before they manifest as problems, as well as reducing downtime caused by equipment failures and extending the lifespan of equipment. By preventing equipment failures, preventive maintenance also reduces the safety hazards that can result from those failures. Wajax’s oil and gas experts assist clients with developing customized preventive maintenance programs that ensure equipment can achieve peak performance. The service includes modeling and simulation exercises that identify the processes needed to optimize performance, and if custom components are needed, Wajax’s engineering team can design and fabricate them. Supporting optimal performance for electric motors, generators, and rotating electromechanical components is a key focus of the preventive maintenance Wajax provides to oil and gas businesses. “Performing out-of-schedule maintenance on those components is expensive,” says Domagalski. “In addition, failures can have devastating repercussions on employees, communities, and the environment.” To prevent failures from happening, Wajax offers operational reliability assessments, vibration analyses, and predictive services to identify maintenance priorities. Its analysis is used to develop plans and programs that support local maintenance teams as they work to provide maximum system reliability. The long-term success Wajax has had supporting the oil and gas industry flows from its commitment to be much more than simply a supplier of products and services. “Our purpose is to create meaningful connections that empower our customers and contribute to the greater good,” Domagalski explains. “We know getting the job done requires having the right equipment, products, and people supporting you every step of the way. We see ourselves as partners committed to ensuring our customers have everything they need to do the important work they are doing.” Author: Rohan Singh  More...

Exploring Sustainable & Tech-Integrated Fashion Production

Henry Ma By Henry Ma, CEO — Ricoma It’s no secret that the fashion industry contributes greatly to issues of carbon emissions and their negative impact on the environment. According to a recent study, the fashion industry produces up to 10% of the yearly global carbon emissions. As a result, many innovators in the clothing and custom apparel industry have begun paving the way for more sustainable and technologically sound practices that will lower carbon emissions.  Tech integration into fashion production has been a major game changer in the industry, not only for moves towards more sustainable practices, but for better service in a consumer-driven economy. As “fast fashion” loses favor with consumers who expect more sustainable and earth-friendly options, companies are searching for ways to integrate technology into their processes to deliver a more individualized, tailored experience.  A move to ethical manufacturing  Studies show that modern consumers are 73% more likely to purchase from sustainable, ethical manufacturers. Small businesses and large corporations alike strive to match those customer values by enacting sustainable production practices. As technology has improved, the large-scale production of apparel has grown easier and more efficient. Nowhere is this more evident than in the rise of print-on-demand businesses. Print-on-demand technology has improved greatly, with new programs and technologies allowing for unlimited color and design options, intuitive design software, and smaller-batch capabilities. Moreover, new decorating methods like direct-to-garment (DTG) and direct-to-film (DTF) printing generate less waste than traditional methods, such as screen printing.  DTG printing typically only requires a brief pretreatment to allow the design to bond with the material of the fabric. After this, the design is sprayed with inks and cured with a heat press, ensuring the design’s resiliency and quality aren’t lost. With DTF printing, designs can be printed directly onto a transfer film, and then placed onto the fabric using a heat press. This process generates vibrant, high-quality images without the bulky feel of traditional prints or the use of excess materials or energy, making it a more sustainable option for custom apparel business owners. One of the benefits of DTF and DTG printing is that they generate less mess and waste than traditional screen printing, which requires you to create custom, one-off, non-recyclable screens with your design. DTG, however, lets the printer transfer the design directly onto the shirt, meaning no screens or excess materials are needed. With DTF, the design is printed on recyclable transfer film, meaning it doesn’t produce  nearly as much waste as traditional screen printing. Blending sustainability and technology in fashion production In the past, barriers that prevented smaller businesses from offering print-on-demand clothing items, such as affordability and accessibility, had been all but eliminated. Newer DTG and DTF platforms — such as Ricoma’s Vision DTG printer — have allowed for a more boutique business experience, more personalization and individualization within the industry, and less overall waste.  Moreover, print-on-demand technology is growing in popularity and is projected to reach a $7.4 trillion market value by 2025. As more people discover the lower barriers to entry with print-on-demand technology, the better the outcomes for the environment will be.  How Ricoma ensures sustainability in custom apparel Another way the techonology is helping the fashion industry to become more sustainable is through descreased water consumption. Water consumption is one of the biggest factors negatively impacting the environment. The fashion industry has always relied heavily on water for the production of textiles , as well as the cultivation of cotton and other fabrics to create new garments.  That’s why many fashion houses and small clothing businesses have begun utilizing technology to revitalize older clothing through upcycling. This practice helps ensure greater longevity for specific pieces of clothing, keeping them out of landfills and reducing the need for new material production, conserving water and energy that would have been expended on the manufacturing and dying of new fabrics.  One example of upcycling is the use of vintage or thrifted pieces for garment embroidery or printing projects. With new embroidery machine capabilities, even the most amateur of designers can seamlessly create pieces that look and feel high-fashion while remaining sustainable through upcycling. By repurposing these items with added flourishes through embroidery or garment printing — be it floral embroidery touches on vintage dresses or printing one’s brand logo on an old thrifted jacket — designers and manufacturers can remain fashion-conscious and environmentally aware, all while creating unique one-of-a-kind pieces.  Many people who have purchased Ricoma embroidery machines have started creative side hustles or small businesses by repurposing vintage and thrifted clothes, revitalizing them with beautiful embroidered designs. In addition to being a creative solution to the sustainability issue, upcycling keeps things local, cutting down on the need for large-scale shipping operations.  Avoiding waste is a way to not only do what is best for the planet, but give today’s sustainability-minded consumers what they want from a fashion brand . Through ethical manufacturing  that balances  the traditional and the technologically advanced, the fashion industry can become  a beacon of  sustainability to other industries.  Author: Rohan Singh  More...

What To Look For in 2024 for Crypto

We are stepping into what could be a rebuilding year for cryptocurrency. After a very public downturn in 2022 with some industry meltdowns and general economic sluggishness, crypto may be in for positive changes in the new year. “The crypto world is obviously evolving,” says Shane Rodgers, Co-Founder and CEO of PDX Advisors LLC, “[and] for the crypto market to sustain itself in the long run, there must be a framework that ensures its legitimacy,” he told Crypto News. Looking forward into 2024, the changes wrought by the downfall of some big players in the crypto market — along with the emergence of new blockchain platforms — could transform the entire crypto ecosystem. photo/ The World Spectrum Closing out 2023 Even though it may have seemed that crypto was dead in the water, 2023 ended on a high note for crypto investors. Blue chip crypto tokens Bitcoin and Ethereum delivered their investors returns of over 155% and 90%, exceeding expectations following the downturn in 2022. Collectively, cryptocurrency ended 2023 at a market capitalization of $1.66 trillion, leaving crypto experts and investors encouraged going into the new year. The crypto realm still stands as a dynamic example of innovation and transformation. Digital currencies have now solidified their position in the market, not just as speculative currencies, but as changemakers for financial evolution. Even with the headline-making flubs by big players such as FTX, the decentralized revolution is still in full swing. The status of Bitcoin in 2024 “Investors must remember that volatility is the historical norm for the crypto industry, just like investing in general,” Rodgers shared in an article for Bitcoin Insider. There was always some risk inherent in the crypto market, but Rodgers doesn’t believe there is any need to worry coming into 2024. Bitcoin and other cryptocurrencies retain some advantages that could make the next year quite lucrative for crypto investors. Bitcoin has a capped supply, which lends some scarcity to the cryptocurrency, similar to precious metals like gold, and Bitcoin transactions continue to be relatively secure and carry lower transaction costs than traditional financial transactions. Some even view Bitcoin as a hedge against inflation due to its limited supply. Bitcoin emerged in 2009 as a groundbreaking technology and has since attracted savvy investors, rabid fans, and — of late — regulators, which some see as a positive, and this includes Rodgers. “Regulation seems to be the path forward to allow the crypto industry to continue its growth,” he told Bitcoin Insider. Through regulation, a clear framework for moving forward in the crypto market will begin to emerge, revealing a more uniformly regulated market in the near future. Predictions for 2024 As we begin a new year, financial experts are starting to talk about what they believe 2024 has in store for the market. “The crypto industry and investors have understandably been rattled by some of the price drops and controversies that the market has suffered,” Rodgers said in Bitcoin Insider. “That being said, these obstacles may have given way to opportunity.” Advancements in regulation Coming into 2024, it is becoming clear to many that the market may need more regulation. Well-regulated crypto markets could allow the market to grow, and some of the trust of investors lost amid the well-publicized crypto scandals could be earned back through better regulation. Some even call for 2024 to be the year of crypto regulations, following the SEC (Securities and Exchange Commission) and the CFTC (Commodity Futures Trading Commission) bringing over 200 enforcement actions against crypto industry participants in 2023. SEC approval of BTC spot ETFs “SEC approval of BTC spot ETFs allows Bitcoin and cryptocurrency assets, thereby allowing more people to invest in the market without having to buy cryptocurrency directly,” Rodgers explained to Bitcoin Insider. “It could have a profound impact on the ability of the public to participate.” Indeed, the anticipation of the SEC approval has already caused the price of Bitcoin and other cryptocurrencies to jump. An embrace of tokenized payments Many banks, including powerhouses like JP Morgan, have already jumped on the tokenized payments train. There have also been moves by several well-known payment processors to allow tokenized payments. As more reputable institutions embrace the practice, it will go a long way in expanding the crypto market. Bitcoin is headed for a “potential supercycle” According to a recent Forbes piece, Bitcoin closed out the year 2023 at $42,665, which has led many to look at 2024 with increased optimism. A planned halving event will reduce the rate at which new bitcoin is generated, which traditionally ups its value. This, along with the predicted approval of BTC spot ETFs, has led some analysts to predict that Bitcoin could reach as high as $400,000. While many analysts and experts likely wish they had a crystal ball to peer into the future of cryptocurrency, predictions made on the best available information and knowledge gained over the past few years of market ups and downs will have to suffice. “Ultimately, the biggest obstacle the crypto sector faces in reaching its former heights is to rebuild consumers’ trust,” Rodgers told Bitcoin Insider. To make this happen, a future of better regulation and transparency is key. One thing is for sure: as we leap into 2024, the crypto saga will continue, revealing the continued possibilities behind decentralized currency. Author: Rohan Singh  More...

When You Need a Childrens Injury Lawyer?

If your child has suffered an injury due to other party negligence, you must hire an RSH Legal – Iowa Personal Injury Lawyers. This is vital to protect your child’s interest and rights. If you do not know when to hire a children’s injury lawyer, Fret not! In this article, we will discuss reasons why you should hire a child’s injury lawyer. Here we go!  photo/Claim Accident Services Reasons To Hire A Children Injury Lawyer 1. Personal Injury Claim  If your kids have suffered injuries because of any wrongful action, you must hire a children’s injury lawyer. These lawyers will closely study the case and get a claim. These actions include a car accident, slip and fall incident, or medical malpractice. The claim is to fulfill all damages and medical expenses caused due to the injury.  2. School Accidents Most kids experience injuries at school as they encounter accidents or sports injuries in playgrounds. These injuries usually occur due to improper supervision and unsafe playing conditions. In such cases, the children’s lawyer will investigate to determine if the school staff was at fault. If yes, legal actions will be taken. 3. Daycare or Childcare Accidents Kids in the daycare may also experience injuries due to unsafe living conditions. In such a situation, the lawyer will investigate the daycare center. Additionally, they will determine if the accident was due to the staff’s negligence.  4. Product Liability Children can get injured due to dangerous products. These include car seats, toys, cribs and more. When you hire a children’s injury lawyer, they check if the product defectiveness resulted in the child’s injury. 5. Medical Malpractice It can include pharmaceutical errors and misdiagnoses that affect children. It also includes birth traumas and surgical errors. In addition to defending your kids rights, an attorney with expertise in similar cases can pursue damages for injuries caused due to medical negligence. 6. Wrongful Death If the injury has resulted in the wrongful death of the kid, the lawyer provides sympathetic legal representation to the kid’s family. On behalf of the child’s estate, the attorney may file a wrongful death claim. The primary aim is to recover damages for the loss of financial support, emotional suffering, and companionship. Wrapping Up  You must hire a children’s injury lawyer in various situations. By hiring an experienced lawyer, you can get fair compensation for the pain and suffering caused to your child.  Author: Ravi Sanghvi  More...

Are Your Emotionally Balanced With Money

In the vast ocean of life, money is the ship that sails us to our destinations, be it through calm waters or tempestuous waves. Much like the ancient mariners who read the stars to navigate, our emotional compass guides us in making financial decisions. Yet, how often do we check if this compass is calibrated? Understanding the emotional tides of our finances, such as the relief felt when a creditor agrees to forgive credit card debt is crucial for maintaining an even keel. The Emotional Currents of Money Navigating Through Financial Feelings Money, for many, is not just currency but a vessel filled with hopes, fears, dreams, and anxieties. It holds the power to sway our moods like the moon pulls the tides. Recognizing this emotional connection is the first step toward achieving balance. Consider the feelings evoked by financial situations: the anxiety of debt, the pride in purchasing a first home, or the peace of a well-fed savings account. These are not just transactions but emotional milestones on our journey. photo/ Michael Jarmoluk via pixabay The Storm of Debt and Relief of Forgiveness Debt, especially from credit cards, often feels like sailing into a storm. The high interest rates and monthly payments can create waves of anxiety and hopelessness. Forgiving credit card debt, whether through personal budgeting or assistance programs, can be akin to finding a safe harbor. The relief and lightness that follow are profound, illustrating the direct impact of financial decisions on our emotional well-being. Charting a Course to Emotional and Financial Balance Mindful Spending: Listening to the Wind Mindful spending is the art of listening to the wind and adjusting your sails accordingly. It involves being fully present with each financial decision, recognizing the difference between needs and wants, and understanding the emotional undercurrents that guide these choices. This mindfulness creates a balance, allowing for enjoyment without tipping into the waters of regret or debt. Budgeting: Mapping the Stars Budgeting is akin to charting the stars for navigation. It provides a clear map of where you are, where you want to go, and how to get there. A budget grounded in reality and aligned with personal values steadies the emotional swings associated with spending and saving. It turns financial goals from distant dreams into achievable destinations. Saving and Investing: Building Your Ship Saving and investing are the craftsman’s tools for building a sturdy ship. Each act of saving is a plank in the hull, creating resilience against future storms. Investing, meanwhile, is like setting the sails, catching the winds of compound interest to propel you forward. Both require patience and a long-term perspective, balancing the immediate gratification of spending with the lasting satisfaction of financial security. The Sirens of Consumerism and the Lighthouse of Purpose Resisting the Sirens Modern consumerism’s sirens sing a tempting song, luring us toward the rocks of impulse buying and overconsumption. Their melody is crafted to stir our emotions, promising happiness and fulfillment with each purchase. Yet, true emotional balance with money comes from resisting these calls, recognizing that our worth and joy are not anchored in material possessions. The Lighthouse of Purpose Purpose is the lighthouse that keeps us oriented in the right direction, guiding our financial decisions through the fog of societal pressures and expectations. When our spending, saving, and investing are aligned with our deepest values and aspirations, money becomes a tool for crafting a meaningful life rather than a source of endless desire and dissatisfaction. Navigating Financial Partnerships Money can be a turbulent sea that tests the strongest of relationships. Open and honest communication about financial goals, fears, and habits is like setting a shared course, ensuring that you navigate these waters together, supporting each other through storms and celebrating the calm seas. Conclusion: Finding Harmony in the Financial Waves Achieving emotional balance with money is a journey, not a destination. It requires constant navigation, adjustments, and recalibrations as we encounter new challenges and opportunities. By understanding the emotional aspects of our financial decisions, practicing mindful spending, and aligning our financial practices with our deepest values, we can sail toward a life of fulfillment and financial peace. Just as the skilled sailor learns to read the sea and sky, the wise individual learns to understand the interplay between money and emotions, steering a course to a balanced and prosperous life. Author: Erin Smith  More...

Are There Any Differences Between a Conservator and a Guardian?

Within the legal landscape, both conservatorships and guardianships serve as vital tools designed to protect individuals who may not have the capacity to care for themselves or make their own decisions due to various circumstances or incapacities.  Recently, the subject of conservatorships has made headlines. Britney Spears managed to break out from a 12-year conservatorship managed by her father, Cher recently petitioned the court to give her conservatorship over her adult son Elijah Blue, and Beach Boy Brian Wilson’s family is attempting to get a conservatorship over the singer following the death of his wife. All of this attention on conservatorships and guardianships has led some to question the similarities and differences between the two. What could prompt the need for a conservatorship or guardianship?  Attorney John Wood of Grant Park Legal Advisors joins us to clear up some of the confusion and misconceptions that follow these two legal protections. Conservatorships and guardianships — vital tools of protection photo/ pixabay user succo Many times, families or others close to an individual may consider entering a conservatorship or guardianship based on mental incapacitation due to age or dementia. Other times, drug use or the onset of a mental illness could lead to talk of the need for a conservatorship or guardianship.  Whichever route a family ultimately chooses can often depend on where they live and the laws within their particular state.  “In many states, the two are essentially the same,” says Wood. “A conservatorship is a form of guardianship, but the differences start to appear when reviewing how states render their own definitions of each, separating these protections into two distinct parts.” Distinctions  The differences between conservators and guardians lie in the purpose of the two protections, the scope of authority, and the duration of which either can be put into place.  “In Illinois, for example, you may have a guardianship of the person that would put you in charge of their day-to-day decisions, such as health care, living arrangements, travel, or education,” Wood explains. “In cases involving minors or a diagnosis of dementia, we often see guardianship is granted for both the estate and the person.” Wood adds that, while distinctions can vary by state, they typically fall under one or more of the following three categories:  Purpose  Conservatorships primarily focus on managing the financial affairs and assets of the incapacitated person. The conservator is appointed to handle tasks such as paying bills, managing investments, and handling financial transactions. With guardianship, however, the focus is typically on making healthcare and personal decisions for the individual, such as choice of living arrangements.  Scope of Authority  Depending on the state where protections are issued, the scope of authority for conservators or guardians can vary.  “Scope of authority depends on the state that granted the guardianship or conservatorship,” Wood says. “For example, in Illinois, a Guardian for the Estate is what some other states refer to as a conservator. However, their scope is still limited to financial and estate matters, even though they are considered a guardian, which is typically healthcare and personal matters.” Additionally, depending on the state where the conservatorship is granted, conservators can often make decisions for the individual without oversight from the court. Conversely, in many cases, guardians have some court oversight of their decision-making ability. Duration  Both conservatorships and guardianships can be deemed temporary or permanent. According to Wood, this status largely depends on the diminished capacities of the person needing protection.  Given the controversy surrounding the Britney Spears conservatorship, many misconceptions may have been built around conservatorships and guardianships. “Both are complex legal mechanisms that can easily cause friction between family members and a widespread lack of understanding by the public,” says Wood. For example, many believe that both conservatorships and guardianships are tools meant only for the elderly when, in reality, both can be established for a person of any age. Moreover, there is a belief that those under conservatorship or guardianship lose all their rights and autonomy.  “Conservatorships and guardianships are tools meant to serve as additional protection and assistance for individuals who require them,” Wood clarifies. “Their intended purpose is not to grant unilateral control to any single person.”  Wood adds that these tools needn’t be viewed as abusive or exploitative measures, despite this having been the situation in some well-publicized cases. Instead, they should be considered a means of providing support and protection to individuals who need it the most.  Whether the concern is over financial matters or the personal care of a loved one, a skilled attorney can help you navigate the muddy waters of conservatorships and guardianships. “Their knowledge can help you better understand which one applies to your specific situation and how to best go about getting your loved one the protection and support they need,” Wood says. Author: Rohan Singh  More...

Decoding the SEC’s Actions: Why Bitcoin Stands Apart in Regulatory Scrutiny

The tension between the US Securities and Exchange Commission and the digital assets industry reached new heights last year. According to a recent report, there was a 50 percent increase in SEC enforcement actions targeting the crypto space in 2023, including 20 in the first quarter alone. The increased SEC activity has shaken up the crypto space, even inspiring some firms to consider leaving the US altogether. When the SEC filed lawsuits in June 2023 against the Coinbase and Binance crypto platforms, some outlets reported the uptick in activity was “an existential threat” to the crypto industry. Other experts, however, pointed to the SEC suits as evidence that certain digital assets continue to offer value to investors Photo/Pete Linforth “Far from signaling the beginning of the end for the crypto industry, the recent SEC actions confirm that Bitcoin — which has achieved a unique level of regulatory clarity thanks to its special characteristics — continues to be an exceptional asset for investors,” says Peter Eberle, President and CIO of Castle Funds. “The 2023 lawsuits strengthen the SEC’s position that Bitcoin stands apart from other coins, largely because of its unique origins.” Castle Funds is an investment firm that has been managing funds invested in Bitcoin and other digital currencies since 2017. They specialize in providing secure and compliant solutions for adding digital currency exposure to investment portfolios. “Bitcoin has its origins in mining, with a decentralized global network of individuals driving its creation,” Eberle explains. “It wasn’t launched via public offering under the control of a central organization like other digital assets, which makes it distinct in the realm of digital currency investments and sets it on a different trajectory from other coins. Investors that understand this unique distinction will have greater hope for the future of crypto.” SEC makes historic decision to approve Bitcoin ETFs Less than two weeks into 2024, Bitcoin investors received more good news when the SEC approved the launch of 11 new Bitcoin exchange-traded funds (ETFs). While the funds are not the first Bitcoin ETFs, they offer investors a new opportunity because they draw their value from Bitcoin’s market price, whereas previous Bitcoin ETFs were futures-based. The 2023 SEC lawsuits targeting crypto exchanges seem to have lent support to the long-anticipated approval of the new type of Bitcoin ETF. “BlackRock, which is one of the world’s largest asset management firms and a leader in the effort to get approval for this new category of ETFs, seems to have studied the SEC’s lawsuits against Binance and Coinbase as it was preparing its filing for a Bitcoin ETF,” Eberle says. “Its application, which ultimately gained SEC approval, addressed how it would avoid the type of problems that led to the earlier lawsuits.” One of the features provided in the BlackRock fund is a mechanism that safeguards against customer assets being diverted to an unauthorized party. That was one of the issues that arose in the FTX scandal, which resulted in a conviction for founder Sam Bankman-Fried on various fraud charges. New SEC activities promise to fuel investor confidence The extreme volatility of the cryptocurrency market, which is a facet regulators like the SEC have been very vocal about, has kept many investors on the outside. The approval of Bitcoin ETFs by the SEC, which indicates a higher level of regulatory confidence, promises to fuel a fresh wave of interest among investors and cryptocurrency investment firms. “The SEC has made it clear for some time they don’t view Bitcoin as a security, which helps to clarify its regulatory exposure,” Eberle explains. “The recent approval of the spot Bitcoin ETFs will give institutional investors the confidence they need to invest in this asset class.” Eberle points out that the new type of Bitcoin ETF will also provide benefits to investors focused on building their retirement accounts, who have faced challenges when it comes to crypto investing. “Not all investors have an easy time getting exposure to Bitcoin,” Eberle says. “People with 401(k)s, IRAs, and similar accounts are among those who face that challenge, but the new Bitcoin ETFs will allow those investors to include those funds in their portfolios moving forward. Their interest could drive significant investment in the new funds in coming years.” Will the SEC approval decrease volatility? Bitcoin prices surged in early 2024 as investors anticipated the approval of the ETFs before its value declined in the wake of the approvals. The continued volatility should come as a warning to investors that wider access to Bitcoin does not necessarily correlate with more stability. Educated investing is still the best practice, regardless of regulatory actions. “Recognizing the highly volatile nature of the crypto market is critical for investors,” Eberle says. “A variety of factors, including regulatory developments like ETF approvals, can trigger swift and dramatic price fluctuations. Consequently, crypto investors should always start with the thorough research needed to develop a comprehensive understanding of underlying dynamics.” Author: Rohan Singh  More...

How to Consistently Collect Rent on Time

As a landlord, the name of the game is simple in practice. To be successful, you need to collect more rent each month than it costs you in taxes, insurance, interest, and maintenance. If you consistently do this, you come out ahead.  But here’s the thing: Real estate investing almost never perfectly mirrors what’s supposed to happen in “practice.” There are twists, turns, nuances, and challenges that require you to stay on your toes.  If you want to be successful as a real estate investor and landlord, there are several things you have to do to ensure steady, consistent, and predictable cash flow. Collecting rent on time every month is one of the big ones. photo/ mohamed Hassan How to Always Collect Rent on Time Collecting rent on time doesn’t have to be an experiment in luck. There are reasons some landlords are better than others. For the most part, it comes down to having the right systems, processes, and disciplines in place.  Here are several helpful tips to do just that. Communication is Key First things first, talk to your tenants. Good communication can solve many problems before they even start. When a new tenant moves in, sit down with them. Explain how important it is to pay rent on time. Let them know the due date, where to pay, and what happens if they’re late.  This chat shouldn’t be scary or intimidating. Make it friendly and clear. And remember, always be ready to listen to their thoughts and feedback. You are in charge, but sometimes tenants might have a problem or a question that can be dealt with in a unique way. If they feel they can talk to you, everything runs smoother. Make Paying Rent Easy We live in a world where you can do almost anything from your phone or computer. Why not systemize rent payments, too? We recommend that you set up an online payment system. This way, tenants can pay rent with a few clicks. It’s super easy and convenient. In addition to giving tenants a convenient way to pay their rent, having an online portal is advantageous for you, the landlord. You don’t have to handle checks or cash, and you can easily keep track of who’s paid and who hasn’t. There are plenty of services out there that can help with this, so find one that works for you and your tenants.  In many cases, property management companies will handle this for you. For example, Green Residential, a Dallas property management company, handles all rent collection for its clients. Reward On-Time Payments Everyone loves a little bonus, right? Think about offering small rewards for tenants who consistently pay their rent on time. It doesn’t have to be big. Maybe a discount on next month’s rent or a gift card. This is a fun way to encourage people to pay on time. And it makes your tenants feel appreciated. Feel free to get creative with this one. It’ll create a more memorable relationship between you and your tenants. Set Clear Late Payment Policies It’s important that your tenants know the rules. If rent is late, what happens? Make sure this is super clear from the beginning. You might have a late fee or a grace period, but whatever your rules are, make sure your tenants know them.  This isn’t about being strict. It’s about being fair and clear. When everyone knows the rules, it’s easier to follow them. Your tenants will respect you more, and you won’t have to worry about how to handle individual situations. Once the rules are created, all you have to do is follow them.  Be Understanding, But Firm Last but not least, be understanding but firm. Life can throw curveballs. Maybe a tenant loses their job or has an unexpected expense. If they’re usually good with payments, it’s nice to be understanding. You can work out a plan for late payment. But, remember to be firm. You’re running a business, and rent is a big part of that. If you’re too soft, people might take advantage.  Adding it All Up Want to start collecting rent on time every month? Following these five tips will give you a huge advantage over the average landlord. Just make sure you’re always iterating and focusing on constant, never-ending improvement. The more willing you are to adjust your approach to the best practices of the day, the better your results will be over the long run! Author: Anna Johansson  More...

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ARC (Association of Related Churches) Shares the History of ARC Global

ARC (Association of Related Churches) is an organization that supports future ARC church planters by building relationships and offering training, coaching, and funding. ARC offers these supports both domestically in the United States and globally. ARC has been asked multiple times over the years to expand its mission and reach to other pastors who wish to launch ARC churches in countries across the world. But until the last few years, the ARC United States Lead Team felt it didn’t have the appropriate expertise to approve and train ARC church planters outside of America. (After all, ARC was initially designed to help launch new churches in the United States.) Today, all thanks to the hard work of its members, ARC Global has expanded and grown into an organization with reach in countries across the globe. cross on top of church photo/ Heather Truett via pixabay Explosive Growth Ahead In February 2011, Bill Hornsby, who led ARC during its initial 10 years, gave what would be his last public message on behalf of the organization. Hornsby was instrumental in not only starting ARC but also in leading its worldwide growth. In that message, Hornsby said he had visualized a picture in heaven of ARC exploding in growth in the years ahead. After hearing God’s message through Hornsby, all in attendance cheered for the future vision of ARC. Two months later, Hornsby unfortunately passed away. But his vision did not fade. In fact, ARC began to experience new levels of growth, transforming and expanding into what is now known as ARC Global. A Wider Reach ARC Global’s focus has been slightly different than ARC United States. Instead of launching individual ARC churches, the mission was to launch ARC “networks” in other countries. These networks would plant and fund their own churches and then be connected back to ARC United States as part of the larger family. The first ARC Global church launched this way in Ireland. Andrew McCourt led that effort, helping to assemble an ARC network in both Northern Ireland and the Republic of Ireland. In the time since it started, Ireland’s ARC network has established a strong lead team that has helped plant six new life-giving ARC churches. ARC Canada launched shortly thereafter. That network has since planted 23 ARC churches, with 70 churches in total giving to the mission. Other networks followed in Australia (with nine churches and a few campuses) and South Africa (15 church partners and six ARC churches). Next came a network in Asia (a non-public ARC network that has planted 28 new ARC churches) and interest in Great Britain and Brazil. Carrying the Spirit of ARC There are some ARC church planters who don’t have an official network but are still part of the ARC Global family. They’ve helped to carry the spirit of ARC by promoting life-giving ARC churches, being generous, and contributing to intentional church growth, which fuels change in their respective countries. This has led to life-giving ARC churches being planted in Colombia, France, Romania, Germany, Italy, Congo, the Dominican Republic, and Trinidad—just to name a few. In 2023 alone, ARC planted seven new churches outside of the United States. About ARC (Association of Related Churches) ARC (Association of Related Churches) represents a collaborative network comprising independent congregations from various denominations, networks, and backgrounds. Its primary mission is to provide essential support and resources to church planters and pastors, enabling them to effectively share the teachings of Jesus Christ. ARC’s operational approach revolves around empowering and equipping church leaders, thus helping them foster the widespread dissemination of Christ’s life-changing message. Established in 2000, ARC has evolved into a worldwide entity and has played a pivotal role in facilitating the establishment of over 1,000 new churches globally.   More...

How is a Christian Wedding Invite Different than a Secular Wedding Invite

A Christian wedding invite is different from a secular wedding invite in several ways. The main difference is that a Christian wedding invite typically includes religious elements, such as Bible verses or references to God, that reflect the couple’s faith. In this article, we will explore five ways that a Christian wedding invite is different from a secular wedding invite, as well as answer some frequently asked questions about Christian wedding invitations. photo/ StockSnap 5 Ways that a Christian Wedding Invite is Different Religious elements: As mentioned, Christian wedding cards often include religious elements such as Bible verses, prayers, or references to God. They often include religious phrases or references to God and faith, such as “In the presence of God and our loved ones, we will be joined in holy matrimony’’. These elements reflect the couple’s faith and the significance of their union as a sacrament in the eyes of God. The inclusion of religious elements also serves as a reminder to guests that the wedding ceremony will be a spiritual event. Language Christian wedding invites may use more formal or traditional language, such as “The honor of your presence is requested, “request the honor of your presence” or “invite you to witness the exchange of vows.” This formal language reflects the significance and gravity of the occasion and the couple’s commitment to each other and their faith. Symbolism Christian wedding invites may also include symbols that are significant in the Christian faith, such as a cross or a dove. Christian wedding invitations may also include symbols that hold specific meaning for the couple. These symbols reflect the couple’s faith and the spiritual nature of their union. They may also serve as a reminder of the couple’s commitment to living out their faith in their marriage. Purpose A Christian save the date invite is not only to invite people to attend a wedding ceremony but also to celebrate the couple’s faith and commitment to God. They often have a spiritual purpose, such as to honor God and to make a commitment to each other before God and their community. Christian weddings are not just a celebration of love between two people, but also a sacrament, a public commitment to God and to each other. Therefore, the purpose of Christian wedding invitations is not just to invite guests to a celebration, but also to invite them to witness and share in this sacrament and to celebrate the couple’s commitment to God, and to each other. Tone Christian wedding invites may have a more spiritual or reverent tone compared to secular wedding invites. Christian wedding invitations often have a formal and respectful tone, reflecting the solemnity and importance of the occasion. They simply convey a tone of reverence, respect, and formality. This reflects the significance and sanctity of the occasion and the couple’s commitment to each other and their faith. The tone may also convey the couple’s desire for guests to share in the spiritual nature of the event and to celebrate their union in a respectful and meaningful way. FAQs Can a Christian wedding invite include secular elements? Yes, it can. A Christian wedding invite can include elements that reflect the couple’s faith as well as their personal style or preferences. Are there specific Bible verses that are commonly used on Christian wedding invites? Some popular Bible verses used on Christian wedding invites include 1 Corinthians 13:4-8, Ephesians 5:22-33, and Colossians 3:12-17. Do Christian wedding invites have to be formal? Not necessarily. Christian wedding invites can take on any style or tone that the couple prefers, whether formal or casual. Conclusion A Christian wedding invite is different from a secular wedding invite in several ways, including the inclusion of religious elements, language, symbolism, purpose, and tone. Christian wedding invites are an opportunity for the couple to express their faith and commitment to God, while also inviting their friends and family to celebrate with them. While there is no specific rule on how the invite should look like, it’s ultimately up to the couple’s choice and preferences. There might be additional differences that are specific to certain churches and the couple’s level of church involvement. Author: Arifur Rahman  More...

What are the best ideas for Catholic gifts on your Christmas?

Many individuals begin anxiously looking for the ideal present for each person on their list at this time of year. It could feel exhausting, time-consuming, and overwhelming. We frequently miss out on the Christmas joy and tranquilly because we are so preoccupied with the gifts. To assist you in beginning, we’ve collected a selection of heartfelt Catholic presents. Here is our selection of the best Catholic presents. You may be comfortable that when you purchase one of these presents for the Catholic on your shopping list (or for yourself! ), you will be assisting the work of organisations that use their products to spread the gospel of Christ. photo Simon Dean Media via Flickr Rosaries The majority of men will value a quality firearm. Furthermore, few things may better serve as a reminder to men of our respect for their spiritual bravery than presents that convey this. The Combat Rosary, for instance, is a fantastic concept. It is practically unbreakable and seems to be a weapon that can be used both physically and spiritually. Making one yourself, if you’re crafty enough, will likely be seen as a really considerate gift. Nut bars and breads This one will be the talk of the gourmet on your gift list! Excellent bread, biscotti, fruit and nut bars, and jam are all produced by the Trappist order of contemplative monks. You may even try your hand at baking scrumptious, healthful, premium-quality goods, and every purchase helps the monks’ prayer and mission. All parties involved benefit from this! Catholic Planner The Catholic Calendar, which combines a notebook and a planner, is the ideal tool for Catholics who want to deepen their faith and accomplish their goals all year long. In order to keep you on track with your Catholic Faith, the Catholic Planner has various features, such as a Saint of the Month, Saint Feast Days, the Monthly Liturgical Calendar, and Gospel texts.  In order to ensure that you are living up to your full potential as a person and a Catholic, the Catholic Planner also includes plenty of room for contemplation and a dedicated place for checking off daily good habits and Catholic rituals. Catholic planners are the ideal religious presents for loved ones, college students, recently confirmed Catholics, co-workers, and anyone else who wants to keep Christ at the heart of their everyday lives. Ammo can kits Nevertheless, a Catholic man needs more than just the Rosary. Anybody will adore the “ammo can” kits accessible from the priest who directs the Roman Catholic Gear, Roman Catholic Man ministry, in terms of additional potent sacramental and instructions as presents. Motherboards If you give one of these Catholic art boards to a skateboarder or snowboarder on your list, you will unquestionably become the coolest person ever. Even if you couldn’t skate, you might be tempted to just hang one up on the wall since they are so stunning and cool! They also have a fantastic Catholic lifestyle brand. Final words Perhaps what you really want is something more spiritual than material. A meaningful present for the individual who appears to have everything is contributing to organisations that fight poverty or volunteering your time and abilities in honour of a friend or family member. Give the presents listed in this article a try. You only need to go to the website Holyart to find the greatest things for purchase. Happy holidays!    More...

Explore The Extraordinary Cave Dwellings Of Sassi Di Matera

When seeking a unique attraction in southern Italy, the Sassi di Matera should instantly come to mind. Located in Basilicata, this unusual landscape could be mistaken for the Holy Land, and, in fact, was used as a film set for Mel Gibson’s movie, The Passion of the Christ.  However, what make this landscape so unique and fascinating are the cave homes and ancient buildings on the hillside and the fascinating underground churches. Read on to find out more about this UNESCO World Heritage Site and what it offers travelers. “Sextantio | Le Grotte della Civita | Albergo Diffuso” on Facebook Matera, Italy and the troglodyte caves When exploring the Basilicata region on a luxurious tour of Italy, the town of Matera is a unique and fascinating visit. Matera is renowned for its historic buildings in the town itself, but this Italian destination offers much more. In fact, the canyon’s walls are dotted with a honeycomb of caves, dug out some 9,000 years ago. The caves were originally home to the Paleolithic people and for a while, were the shame of modern Italy. This best example of a troglodyte settlement in the Mediterranean was once the slum of Matera where the poor lived in squalor and filth. Moreover, in Sasso Caveoso and Sasso Barisano, occupants had no sanitation or electricity and illness was rife here. However, back in 1952, local authorities decided to do something about the slum caves and relocated 20,000 residents into modern buildings in the town. From that point on, the Sassi stood abandoned and empty for quite some time. In the late 1960s, hippies took over Matera’s caves in an effort to make a home and thanks to this, everything changed. The caves were given a new lease of life when authorities connected them to the town’s utility services. Initially, one cave was turned into a unique art gallery, while another was converted into a small café. Soon after this happened, the Sassi were occupied by a community of writers and artists. Image by mts163 from Pixabay Sassi di Matera declared a UNESCO World Heritage Site It was in 1993 that the hillside town caught the interest of UNESCO, who declared the Sassi a World Heritage Site. By this stage, what was once a filthy slum was now considered to be a chic location. From that time on, some of the caves were transformed into comfortable homes and restaurants, while others became unique boutique hotels, like Sextantio Le Grotte della Civita.  Image:  sextantio-le-grotte-della-civita.jpg from Sextantio | Le Grotte della Civita | Albergo Diffuso on Facebook While this hotel is considered to be luxurious, guests should bear in mind that the property has no pool. Meanwhile, the rooms have little in the way of modern amenities; there are no TVs, minibars or phones. However, the chance to sleep in a former troglodyte home with the original décor is a wonderful experience and the beds are comfy. Moreover, while the hotel has a reception area and a restaurant, the guest caves are dotted over the hillside as a form of community.  If anyone feels that a stay in a cave would be claustrophobic, the town of Matera offers a wide variety of “normal” hotels, restaurants and bars. The town is also a fascinating visit, with no cars and no roads and navigated by many carved stone steps. Make sure to wear comfortable walking shoes while exploring this unique location and sleep in comfort in a former troglodyte cave. Author: Anne Sewell  More...

Mike Fleiss Talks Breaking Into Hollywood and Where He’s Heading Now

Before Mike Fleiss produced some of the hottest reality shows to ever hit the airwaves, he was just a curious, TV-loving kid who spent his evenings watching shows such as The Six Million Dollar Man and Family — and memorable TV commercials featuring virtually unknown actors such as Tom Cruise and Jodie Foster who would eventually become household Hollywood names.  That love for obscure ads would eventually lead to Fleiss’ first TV show pitch when he worked at Totally Hidden Video for the former head of Fox Television, Stephen Chao. Chao, who graduated from Harvard and once flipped burgers at McDonald’s, admired Fleiss’ ability to continuously generate new show ideas. It led to a green light for Mike Fleiss’ first show, Before They Were Stars. The clever clip parade featured advertisements with celebrities such as Sharon Stone and Jack Nicholson in their very first roles before they were considered stars. photo/ Gerd Altmann via pixabay “I had sort of monitored that over my childhood, seeing how people started,” Mike Fleiss says. “And so I thought, ‘Oh, it would be a fun little show to do.’” The innovative writer and producer shares that the show aired on ABC in the early ’90s and for that time, it was a cutting-edge concept that was born from a game he’d play with TV-loving pals. “I’d show a clip and say, ‘Can you identify that person?’ So it had a game element to it too when you were watching it,” Fleiss explains.  Although he now feels it wasn’t all that creative of a concept, he says despite having a bevy of ideas when he arrived in LA, that was the first one he actually sold. However, it was the start of something big. With multiple hit movies and documentaries under his belt, Mike Fleiss, who produced the Hostel trilogy of horror films, is excited about taking that thriller franchise from the big screen to a TV format. He says they have a one-of-a-kind approach to adapting it for the small screen.  “I think it’s going to be really satisfying,” Mike Fleiss exclaims. “Eli Roth and Chris Briggs wrote the pilot script. It’s the same team that made the movies, and we think it’s a great brand.” In addition to developing TV concepts, including more reality show franchises, Mike Fleiss has been spending his free time buying musical instruments for underprivileged kids and he’s satisfying his jalapeno habit with a restaurant he started in Lake Oswego, Oregon, called Toreados. His passion for peppers burns just as hot as his love for creating binge-worthy TV. He says he discovered his taste for chiles toreados in Mexico and wanted to bring an authentic Tex-Mex experience to the States.  “I’ve had this idea forever and ever and ever, and now it’s a dream come true,” Fleiss says of Toreados. And when he’s not indulging in his hot pepper habit, he confesses he’s on the lookout for bears in his backyard. Yes, the Hollywood honcho lives in the same Montecito, California, “neigh-bear-hood” where Oprah Winfrey, Prince Harry and Meghan Markle, Arnold Schwarzenegger, and other celebrities live — and the area’s been in headlines for bear sightings.  “It’s a cute bear,” Fleiss says.  More...

Why are some celebrities treated differently?

The world has become more sensitive. Jokes at the expense of those of different races, religions, sexual orientations, and even women are tolerated far less than in the past. This type of humor has been discovered in the past, sometimes distant, of many celebrities. The ultimate consequences for each of them vary, from mere embarrassment to the loss of employment. Most celebrities who find themselves in this position issue an apology which may or may not help their situation. Decisions are usually made by their employers. Jimmy Kimmel In 2020, it was brought to light that television host Jimmy Kimmel had done several sketches in blackface in the 90s. Kimmel had also done impressions of black celebrities such as Karl Malone and Snoop Dogg. Kimmel apologized for the sketches, admitting he should have done so long ago. He retained his job as host of NBC’s Jimmy Kimmel Live. Jimmy Fallon Another NBC personality, Tonight Show host Jimmy Fallon, also apologized in 2020 for offensive sketches performed in his past. While a member of the cast of Saturday Night Live 20 years ago, Fallon performed in a sketch where he impersonated Chris Rock while wearing black face. In issuing his apology, Fallon thanked the public for holding him accountable. NBC also kept Fallon in his hosting job. The Jeopardy Fiasco Another recent accusation of celebrity insensitivity occurred around the search for a new host of the game show, Jeopardy. The passing of Alex Trebek left a void that initially, Sony Pictures Television, the company that produces Jeopardy, decided would be filled by executive producer Mike Richards. Richards hosted the first week of season 38 and did an outstanding job. Richards was called out by a section of overzealous woke activist for what were perceived to be inappropriate jokes made on a podcast show nearly a decade earlier. Despite publicly apologizing, Richards himself decided to step down as Jeopardy host after shooting the first week. Sony then released him as executive producer on both shows. Rachel Nichols ESPN NBA reporter and host of the show The Jump, became embroiled in a controversy when remarks she made in a private phone call were made public through a recording of the call. In the call, Nichols who is white is heard saying that ESPN personality Maria Taylor was given her own program during the NBA finals because she is Black. Nichols also commented on ESPN’s less-than-stellar record of diversity. Nichols apologized for the comments on The Jump, but in the end, was let go by ESPN. James Gunn Screenwriter and director James Gunn wrote the screenplay for the third of the Guardians of the Galaxy pictures and was slated to direct. Disney became aware of several tweets written by Gunn that joked about rape and pedophilia, placing them in a humorous vein not merited by such serious crimes. Despite having apologized, Gunn was fired as director. Disney later reversed its decision and rehired Gunn to direct Guardians 3. When it comes to a blockbuster film, Disney leaves nothing to chance when protecting its profit margin. Jokes that no one thought twice about in the past are now not tolerated as they offend the butt of those jokes. People are digging into the pasts of many celebrities. The consequences are not the same for all. Mike Richards chose to step down as the host of Jeopardy but was fired as executive producer. He was not a recognizable public figure as Kimmel or Fallon and hadn’t helmed films that made millions as had Gunn. Nichols, though popular didn’t generate revenue the way the rest do. They were all retained because they draw viewers. Money talks. It’s always been that way and sadly, there is no equality in how celebrities who have engaged in offensive material are punished.  More...

How to See Your Shows During Long Journeys Abroad

Does this scenario sound familiar to you? While sitting around a table enjoying dinner with friends, one of them starts chatting about a TV show you aren’t caught up with watching, and the rest of the bunch enthusiastically joins in the conversation. Before you know it, you’re hearing revelations of all kinds of massive spoilers before you’ve even had a chance to binge the new season!  Or perhaps you’ve been in the office breakroom when your co-workers start a lively chat about a popular TV show you haven’t even gotten around to begin watching yet. There’s not much that’s more awkward than feeling left out of a conversation and having nothing to contribute!  source: W. Trusz, J. Dombrowicki Not surprisingly, this tends to happen all the time to people who travel abroad for extended periods of time. International longterm travel used to be a serious source of FOMO (Fear Of Missing Out) when it came to unwatched TV shows… …Until now! Streaming apps like Hulu, Netflix, and Disney+ put your favorite TV shows just one click away, no matter where you are in the world! As long as you are connected to a WiFi or cellular network and your mobile device or laptop computer supports streaming, you’re all set! All you need is a subscription to any of these streaming powerhouses, and voila! You’re all caught up and ready to talk TV with your friends or co-workers once you return to the States. World travelers enjoy purchasing special gift cards for streaming services, such as the US Hulu gift card, so they can effortlessly and affordably maintain their subscriptions while they are abroad. Gift cards like these also make an ideal bon voyage present for the globe-trotter in your life. Giving the gift of online TV streaming helps your friends and relatives who travel frequently stay on top of all of their favorite American TV shows, helping them stay connected to their loved ones (including you!) while they are far from home.  Streaming TV through mobile apps is easy as 1-2-3, and with a US Hulu gift card, it’s also quite affordable! Once upon a time, if you missed a TV show and didn’t own a VCR to tape it, you’d never get the chance to see it again. Even the more recent DVR allowed you to record programs that you could then only watch once you returned home from your journey. Streaming has changed the way we watch TV around the world. We’re now able to access our favorite episodes of U.S. TV shows at the touch of a button, no matter how many miles away we are from our comfy living room couch! People who travel frequently and spend long periods of time abroad can still catch the latest episodes of their favorite shows, making it easier to return to their lives- and important TV discussions- once they get back home! Author: Uday Tank Netflix down 130K subscribers, lost $594 million as they overspend for programming 6 Thoughtful Gift Ideas for Your Grandparents  More...

Warner misses with ‘Scoob!’ reboot, pandering to the wrong crowd

Warner Bros attempted to kick off a Hanna Barbera universe with Scoob!, a Scooby-Doo prequel/origin story,...

Panic Room is still a disturbing thriller but isn’t among David Fincher’s bests

David Fincher was on a run with Panic Room, the fifth film for the popular director....

Pandemic is poorly named and an even worse film

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When You Need a Childrens Injury Lawyer?

If your child has suffered an injury due to other party negligence, you must hire an RSH Legal – Iowa Personal Injury Lawyers. This is vital to protect your child’s interest and rights. If you do not know when to hire a children’s injury lawyer, Fret not! In this article, we will discuss reasons why you should hire a child’s injury lawyer. Here we go!  photo/Claim Accident Services Reasons To Hire A Children Injury Lawyer 1. Personal Injury Claim  If your kids have suffered injuries because of any wrongful action, you must hire a children’s injury lawyer. These lawyers will closely study the case and get a claim. These actions include a car accident, slip and fall incident, or medical malpractice. The claim is to fulfill all damages and medical expenses caused due to the injury.  2. School Accidents Most kids experience injuries at school as they encounter accidents or sports injuries in playgrounds. These injuries usually occur due to improper supervision and unsafe playing conditions. In such cases, the children’s lawyer will investigate to determine if the school staff was at fault. If yes, legal actions will be taken. 3. Daycare or Childcare Accidents Kids in the daycare may also experience injuries due to unsafe living conditions. In such a situation, the lawyer will investigate the daycare center. Additionally, they will determine if the accident was due to the staff’s negligence.  4. Product Liability Children can get injured due to dangerous products. These include car seats, toys, cribs and more. When you hire a children’s injury lawyer, they check if the product defectiveness resulted in the child’s injury. 5. Medical Malpractice It can include pharmaceutical errors and misdiagnoses that affect children. It also includes birth traumas and surgical errors. In addition to defending your kids rights, an attorney with expertise in similar cases can pursue damages for injuries caused due to medical negligence. 6. Wrongful Death If the injury has resulted in the wrongful death of the kid, the lawyer provides sympathetic legal representation to the kid’s family. On behalf of the child’s estate, the attorney may file a wrongful death claim. The primary aim is to recover damages for the loss of financial support, emotional suffering, and companionship. Wrapping Up  You must hire a children’s injury lawyer in various situations. By hiring an experienced lawyer, you can get fair compensation for the pain and suffering caused to your child.  Author: Ravi Sanghvi  More...

Can Being A Trump Supporter Get You Fired Or Not Hired?

With a polarized political environment unlike anything in recent memory, many Americans wonder if they can be penalized by an employer for political speech. First Amendment guarantees of freedom of speech center on government censorship, not private enterprise, leading many to worry whether their employer has unlimited leeway to influence, curtail, or punish speech. This is especially noteworthy in Arizona, where the race for president was especially tight, and some people consider it by no means settled. Although Phoenix saw Election Day come and go without any violence or unrest, that does not mean the results of a harsh campaign season can’t be felt. Employers Have Extraordinary Power Over Employees’ Conduct While at Work Gone are the days when bosses could offer bribes or even make outright threats to compel employees to engage – or not engage – in civic behavior. But those days are not as far away as they might seem, and a long history of court rulings favoring employers over employees has meant workers often have little legal recourse against what might seem like abuses of authority. The Bill of Rights does not protect workers from firing for speech either inside or outside the workplace. This leads some workers with strong political beliefs to inquire whether other protections might apply, such as federal antidiscrimination laws. The federal definition of a “protected group” precludes much hope. Federal Law Does Not Recognize Political Affiliations as “Protected Groups” Federal law prohibits discrimination on the basis of race, color, sex, national origin, age, and disability. It is unlawful to terminate an employee due to belonging to a protected group, whether part of one such group or several. However, political affiliation is not included as a protected category. Arizona law recognizes the doctrine of “at-will employment,” which allows an employer to terminate an employee at any reason and at any time without notice. The employment relationship is held to be like a contract which other party may choose to terminate at any time. This has been taken to mean that Arizona employers can fire their employees for “any reason or no reason” without restriction, as long as no federal discrimination protection factors are involved. This extends to both the hiring process and continued employment. Arizona State Law Does Not Provide Additional Protection for Political Speech in the Workplace When it comes to Arizona employers, the situation is “do as I say, not as I do.” While Arizona employers may respond severely to employees’ political speech, they are held to only a handful of standards. These are meant to curtail active pressure by employers to vote a certain way. In Arizona, employers are prohibited from coercing employees to support (or not support) a referendum or recall. They are also barred from including in compensation materials any statements with the intent of influencing political beliefs or activities. Within 90 days before an election, they may not display any form of notice intended to influence employees’ choice of candidate. Aside from these rules, “political speech” of a business enjoys broad protections ensured by the 2010 Citizens United decision, where the Supreme Court ruled that businesses are free to endorse political candidates and even campaign for them. Businesses may spend unlimited money in these pursuits. A 2016 study by Harvard University found 25% of respondents received politically focused messages from their boss. Most of those surveyed said there should be limits to campaigning in the workplace. What Constitutes Political Speech or Activity? In some states, “political speech” is defined by statute. This enables people to act according to their rights in that state. No prevailing definition exists in Arizona, nor has Phoenix enacted any laws that might shed light on the matter. That leaves it to employer discretion. Employers can interpret any of these as political speech: Choice of attire (“Trump 2020” shirt or MAGA hat) Posts made on Twitter, Facebook, or other websites Content of discussions with co-workers or customers Political paraphernalia (bumper stickers, pins, and so on) Note that in some cases, legitimate business concerns may already preclude certain forms of speech. For example, if you work at a restaurant or hotel with a strict dress code, you are already expected to be in uniform, and could be reprimanded for any breach of those guidelines – whether political or not. If You Lose Your Job or Are Not Hired, You Can Still Sue Although the law as it stands clearly gives power over employee speech to employers, it is within your rights to pursue a civil lawsuit if you suspect you have lost a job or not been hired due to your beliefs. Bear in mind, however, that such cases are difficult to prove, since they often hinge on internal communication at the workplace that is not documented. Make sure to find an employment lawyer to protect your rights.  Author: DKM Jim Marchese on Freedom of Speech and its Paramount Importance 4 Things to Do After Getting Fired From a Job Federal vs. State: The Differences between the Charges and Crimes  More...

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We are stepping into what could be a rebuilding year for cryptocurrency. After a very public downturn in 2022 with some industry meltdowns and general economic sluggishness, crypto may be in for positive changes in the new year. “The crypto world is obviously evolving,” says Shane Rodgers, Co-Founder and CEO of PDX Advisors LLC, “[and] for the crypto market to sustain itself in the long run, there must be a framework that ensures its legitimacy,” he told Crypto News. Looking forward into 2024, the changes wrought by the downfall of some big players in the crypto market — along with the emergence of new blockchain platforms — could transform the entire crypto ecosystem. photo/ The World Spectrum Closing out 2023 Even though it may have seemed that crypto was dead in the water, 2023 ended on a high note for crypto investors. Blue chip crypto tokens Bitcoin and Ethereum delivered their investors returns of over 155% and 90%, exceeding expectations following the downturn in 2022. Collectively, cryptocurrency ended 2023 at a market capitalization of $1.66 trillion, leaving crypto experts and investors encouraged going into the new year. The crypto realm still stands as a dynamic example of innovation and transformation. Digital currencies have now solidified their position in the market, not just as speculative currencies, but as changemakers for financial evolution. Even with the headline-making flubs by big players such as FTX, the decentralized revolution is still in full swing. The status of Bitcoin in 2024 “Investors must remember that volatility is the historical norm for the crypto industry, just like investing in general,” Rodgers shared in an article for Bitcoin Insider. There was always some risk inherent in the crypto market, but Rodgers doesn’t believe there is any need to worry coming into 2024. Bitcoin and other cryptocurrencies retain some advantages that could make the next year quite lucrative for crypto investors. Bitcoin has a capped supply, which lends some scarcity to the cryptocurrency, similar to precious metals like gold, and Bitcoin transactions continue to be relatively secure and carry lower transaction costs than traditional financial transactions. Some even view Bitcoin as a hedge against inflation due to its limited supply. Bitcoin emerged in 2009 as a groundbreaking technology and has since attracted savvy investors, rabid fans, and — of late — regulators, which some see as a positive, and this includes Rodgers. “Regulation seems to be the path forward to allow the crypto industry to continue its growth,” he told Bitcoin Insider. Through regulation, a clear framework for moving forward in the crypto market will begin to emerge, revealing a more uniformly regulated market in the near future. Predictions for 2024 As we begin a new year, financial experts are starting to talk about what they believe 2024 has in store for the market. “The crypto industry and investors have understandably been rattled by some of the price drops and controversies that the market has suffered,” Rodgers said in Bitcoin Insider. “That being said, these obstacles may have given way to opportunity.” Advancements in regulation Coming into 2024, it is becoming clear to many that the market may need more regulation. Well-regulated crypto markets could allow the market to grow, and some of the trust of investors lost amid the well-publicized crypto scandals could be earned back through better regulation. Some even call for 2024 to be the year of crypto regulations, following the SEC (Securities and Exchange Commission) and the CFTC (Commodity Futures Trading Commission) bringing over 200 enforcement actions against crypto industry participants in 2023. SEC approval of BTC spot ETFs “SEC approval of BTC spot ETFs allows Bitcoin and cryptocurrency assets, thereby allowing more people to invest in the market without having to buy cryptocurrency directly,” Rodgers explained to Bitcoin Insider. “It could have a profound impact on the ability of the public to participate.” Indeed, the anticipation of the SEC approval has already caused the price of Bitcoin and other cryptocurrencies to jump. An embrace of tokenized payments Many banks, including powerhouses like JP Morgan, have already jumped on the tokenized payments train. There have also been moves by several well-known payment processors to allow tokenized payments. As more reputable institutions embrace the practice, it will go a long way in expanding the crypto market. Bitcoin is headed for a “potential supercycle” According to a recent Forbes piece, Bitcoin closed out the year 2023 at $42,665, which has led many to look at 2024 with increased optimism. A planned halving event will reduce the rate at which new bitcoin is generated, which traditionally ups its value. This, along with the predicted approval of BTC spot ETFs, has led some analysts to predict that Bitcoin could reach as high as $400,000. While many analysts and experts likely wish they had a crystal ball to peer into the future of cryptocurrency, predictions made on the best available information and knowledge gained over the past few years of market ups and downs will have to suffice. “Ultimately, the biggest obstacle the crypto sector faces in reaching its former heights is to rebuild consumers’ trust,” Rodgers told Bitcoin Insider. To make this happen, a future of better regulation and transparency is key. One thing is for sure: as we leap into 2024, the crypto saga will continue, revealing the continued possibilities behind decentralized currency. Author: Rohan Singh  More...

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