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Options on bitcoin futures just launched. Here's what you need to know

Exchange-traded bitcoin options launched Monday on the Chicago Mercantile Exchange, and they will likely provide a great tool for cryptocurrency speculators.




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German court says the European Central Bank now needs to prove its bond buying is needed

The German court said the decision does not concern any financial assistance measures taken by the European Union or the ECB in the context of the current coronavirus crisis.




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The economic decline in the first quarter reveals even weaker consumers and more unknowns ahead

Consumers reined in spending faster than expected in the first quarter, probably even before states issued stay-at-home orders.




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Why now might be a good time to save in a Roth 401(k) or Roth IRA

Roth accounts may make sense for a larger number of Americans due to low historical income-tax rates and the U.S. budget deficit, which some experts believe will necessitate the government raising tax rates in the future.




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These advisors help their clients tackle this unknown looming cost

Financial advisors are turning to a variety of options to help clients prepare for the potential cost of help with daily activities like eating and dressing — otherwise known as long-term care.




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Support small businesses with gift cards – but know the risks

Purchasing gift cards are a way to support struggling small businesses. But if they don't make it out of the pandemic, you will be out of pocket.




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Here's what you need to know about rent relief during the pandemic

Many renters across the U.S. don't have to worry about being evicted during the pandemic. Yet they can find themselves in a lot of trouble when the relief expires.




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Stimulus checks have been sent to dead people. Now the IRS has released instructions for how to return the money

The U.S. government is sending millions of $1,200 checks out to Americans, some of whom have passed away. Now, the IRS has released instructions for how families of the deceased can return that money.




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Federal business disaster loans now capped at $150,000 and limited to agriculture

The Small Business Administration has sharply curtailed the Economic Injury Disaster Loan program, limiting new applicants to only agricultural businesses and capping max loan amounts at $150,000, down from $2 million, according to reports.




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Britain was led by Churchill then – it’s led by a Churchill tribute act now

With coronavirus lockdown subduing VE Day, contrasts with 75 years ago were many and varied

Somehow the quiet made it louder. By rights, marking the 75th anniversary of VE Day in the midst of a pandemic that has confined us to our homes – forcing us to keep our distance from one another, denying us the right to gather in crowds – should have muffled this commemoration. A celebration in private would surely feel like no celebration at all. Katherine Jenkins singing to an empty Albert Hall, streets with no street parties and the pubs all shut: how could that add up to anything other than a damp squib?

And yet Friday’s marking of the end of the second world war struck a deeper chord than it might, had it been just another sunny bank holiday. Yes, the usual rituals had to be suspended. There could be no wreath-laying at local memorials; instead, Prince Charles and Camilla laid two small wreaths on their own, in a crowdless corner of Balmoral, watched by a lone piper. There could be no veterans’ parades, no reunions for those who had served, no grateful handshakes from the politicians: 102-year-old former staff sergeant Ernie Horsfall had to make do with a Zoom call from Boris Johnson. And there were limited opportunities for silliness: the Winston Churchill impersonators were all dressed up with nowhere to go, forced to perform their cigar-and-V-sign shtick online.

Continue reading...




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Which two footballers have played the most matches together? | The Knowledge

Plus: the policing of goalkeepers, home shirts that became away tops and strike partners sharing birthdays

“Which two footballers have played the most matches together? I reckon Jason Dodd and Francis Benali for Southampton must be up there,” asks Mark Williams.

They’re not even close, Mark, but we’ll get back to that shortly. First, Geoff Airey has two long-standing midfielders at Manchester United who knock Benali and Dodd (170 appearances together) into a cocked hat.

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I made millions out of the last debt crisis. Now the wealthy stand to win again | Gary Stevenson

We urgently need a fairer tax system so that rich people like me help solve the fallout from coronavirus, not just profit from it


• Gary Stevenson is an economist and former interest rate trader

I made my first million the year Greece went under. I was 24 years old at the time.

I’d attended a presentation given by one of Citibank’s senior economists, in which he explained that government debts of the world’s major economies had grown to dangerous levels, and were continuing to grow. He warned that markets could stop lending to some of these governments, forcing a devastating round of austerity on to already battered economies.

If we repeat 2008, buying a house with one’s own wages will be a thing of the past

Related: Don't expect a snapback for the UK economy after lockdown is lifted | Larry Elliott

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I got intimate with one of my lodgers and now I'm in turmoil

I have always maintained a professional relationship with my two female lodgers but spending more time together recently led to a lapse in judgment

I share my house with two female lodgers. We’re all single at the moment but we have always maintained a professional relationship with each other. In the current circumstances, we are obviously spending more time together. The other week, the inevitable happened. After a few drinks, I ended up getting intimate with one of them on the sofa. The following day, she didn’t bat an eyelid but we agreed to put it down to too many beers.

The thing is, I now see her in a new light. She is 20 years younger than me and I find her sexually attractive. I’m struggling to keep that line drawn. We still have a great relationship, sharing drinks and a chinwag, but I feel different. Should I tell her how I feel and run the risk of everything going pear-shaped?

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Knitter, know thyself

Years ago I saw this thing – I think it was a dogs alleged diary contrasted with a cats. The dog is all “8:45, eating breakfast, my favourite thing! 9:15, going in the backyard, my favourite thing! 9:30, I see … Continue reading




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A Priori Justification and Knowledge

[Revised entry by Bruce Russell on May 6, 2020. Changes to: Main text, Bibliography] A priori justification is a type of epistemic justification that is, in some sense, independent of experience. Gettier examples have led most philosophers to think that having a justified true belief is not sufficient for knowledge (see Section 4.4, below, and the examples there), but many still believe that it is necessary. In this entry, it will be assumed, for the most part, that even though justification is not sufficient for knowledge it is necessary and that...




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Scientific American: As Trump Touts Dangerous Cures, Here's What We Know About COVID-19 Drug Tests

President Trump dangerously suggested injecting disinfectants could help patients sick with the coronavirus, then said he was being "sarcastic." But his remarks led to a spike in calls to helplines about taking disinfectants. We look at "What We Know About the Most Touted Drugs Tested for COVID-19" with Tanya Lewis, associate editor for health and medicine at Scientific American.




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In Her Own Words: Fiona Apple on New Album "Fetch the Bolt Cutters" & Acknowledging Indigenous Lands

In a broadcast exclusive, world-renowned singer-songwriter Fiona Apple joins Democracy Now! for the hour to discuss her critically acclaimed new album, "Fetch the Bolt Cutters," which was released early amid the pandemic. "I've heard that it's actually making people feel free and happy," Apple says, "and it might be helping people feel alive or feel their anger or feel creative. And that's the best thing that I could hope for." Her record includes an acknowledgment that the album was "Made on unceded Tongva, Mescalero Apache, and Suma territories." We also speak with Native American activist Eryn Wise, an organizer with Seeding Sovereignty, an Indigenous-led collective that launched a rapid response initiative to help Indigenous communities affected by the outbreak.




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Tara Reade's Ex-Neighbor on Biden Sexual Assault Allegation: I Believed Her Then & I Believe Her Now

Presumptive Democratic presidential nominee Joe Biden denied sexual assault allegations against him on MSNBC's "Morning Joe" on Friday, breaking his silence after weeks of mounting pressure to respond to claims put forward by former staffer Tara Reade, who says he sexually assaulted her in 1993. In a statement, Biden said, "I want to address allegations by a former staffer that I engaged in misconduct 27 years ago. They aren't true. This never happened." Tara Reade first came forward with her allegations in March, saying Biden pushed her up against a wall and digitally penetrated her. In a Democracy Now! broadcast exclusive, we speak with Reade's former neighbor Lynda LaCasse, who says that Reade told her about the encounter and described it in detail in the 1990s. LaCasse is a lifelong Democrat and Biden supporter. She says of Tara Reade, "I believe her 100%." We also speak with investigative journalist Rich McHugh, who first interviewed LaCasse for Business Insider.




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Camera Traps May Overcount Snow Leopards and Other Vulnerable Species

Markings on big cats are hard to distinguish, meaning one animal may be counted as two

-- Read more on ScientificAmerican.com




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how do you know




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I DON'T KNOW WHY I TAKE THEM




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Review: John Bargh’s “Before You Know It”

I have a review of John Bargh’s new book “Before You Know It: The Unconscious Reasons We Do What We Do” in this month’s Psychologist magazine. You can read the review in print (or online here) but the magazine could only fit in 250 words, and I originally wrote closer to 700. I’ll put the … Continue reading "Review: John Bargh’s “Before You Know It”"




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you dont know me

Today on Toothpaste For Dinner: you dont know me


I NEED YOUR HELP: Please chip in $1 or more on Patreon and I can keep Toothpaste For Dinner updating daily, PLUS you'll get to see bonus comics & writing!














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knowledge vs age

Today on Toothpaste For Dinner: knowledge vs age












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Worth Knowing

A few weeks ago our dishwasher, an old Kenmore that came with the house, gave up the ghost. After decades of barebones apartment living washing dishes by hand, the thought of not having a machine to do that chore was anathema to my middle class soul.  So my wife and I immediately purchased a new one […]

The post Worth Knowing appeared first on Waiter Rant.




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What You Need to Know About How California's New Law AB-5 Affects Writers


Posted by Victoria Strauss for Writer Beware®

Scroll down for updates

Last year, California passed a new law, AB-5, intended to make things better for gig economy workers, such as Uber and Lyft drivers, by forcing these companies to provide employee protections and benefits for their freelance workers.

However, the narrowly-written law, which went into effect on January 2, has created unintended consequences for freelance writers, most of whom are independent by preference. If they sell 35 or more pieces to the same company in a year (which can easily happen with short blog posts or  product reviews), the company must treat them as employees rather than freelancers and pay payroll taxes as well as unemployment and other insurances. Even before the law went into effect, companies were laying off California freelancers and seeking replacements in other states.

Book writers may be affected too, under certain specific circumstances.

The article below was originally published by the Authors Guild; I'm re-printing it with permission. This is an issue all writers need to be aware of, as similar laws are under consideration in other states, including New York and New Jersey.

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We have been receiving inquiries about California’s new law AB-5 and similar pending legislation in other states that require companies hiring individuals on a freelance basis for labor or services to treat them as employees, unless the individual’s work falls within one of several exceptions. Laws like AB-5 (which goes into effect on January 2) are meant to aid gig economy workers, such as Uber and Lyft drivers, who work for a single company and have no employee protections. They are well-intentioned pieces of legislation, but unless they are narrowly written, they can go beyond protecting gig workers and disadvantage many traditional freelancers who wish to remain independent by overriding existing state agency law.

To be clear, the Authors Guild fully supports employment protections for freelance journalists and authors, and will be lobbying for collective bargaining rights in 2020. Like Uber drivers, writers have no benefits and are often paid less than minimum wage. But forcing writers to work as employees, especially on a state-by-state basis, is not the way to go about it. The situation in California speaks to the importance of deliberation, careful drafting, and getting buy-ins from the various industry groups. Similar “gig worker” bills are in the works in New York and New Jersey. The new draft NJ bill includes a strict, sweeping version of the ABC test. Those working closely on the bill are concerned that freelance journalists will in many cases be treated as employees. We will watch the bill and do our best to ensure that the necessary protections for freelance journalists are added.

* The NY bill attempts to exclude freelance journalists, and we have provided comments to the drafters to make it clearer.* (correction 12.30.19)

AB-5’s 35-Submission Cap

As many of you are aware by now, much of the debate surrounding AB-5 comes down to its 35-submission cap applying to the contributions of freelance journalists, editors, and photographers. When the bill was being negotiated, a coalition of writer and photographer groups, including the Authors Guild, was able to get an exception for freelance writers. Unfortunately, Assemblywoman Lorena Gonzalez, who sponsored the bill, added a cap of 35 pieces per company—meaning that once a freelance journalist or editor submits 36 articles or jobs for the same company in one year, the freelancer must be treated as an employee and the employer must pay California State unemployment and employee insurances.

Many full-time writers today patch together a living from different sources—and they want to keep it that way. Because of AB-5, California freelance journalists writing 35 or more pieces for a single company fear losing clients to writers in states with laxer laws. Indeed, some publications have already stated that they will not hire California freelance writers because of the new law. 35 articles might seem like a lot, but there are plenty of writers who write more than that. Writing a short weekly blog piece for a client could easily put a writer over this limit.

Another problem with treating writers as employees and not freelancers is that employee-writers do not own the copyright in their work; instead, the employer is considered the “author” under copyright law and automatically owns the copyright in its creation. Of course, as most major publications today insist on an assignment of copyright anyway, the practical effect, unfortunately, is the same: the writer gives up copyright. Still, freelance writers who assign copyright can reclaim it after 35–40 years, which is a benefit that employee-writers lack.

Does AB-5 Apply to Book Contracts?

Authors have raised alarm that AB-5 will apply to book writers as well. The Authors Guild has been reviewing the bill from that perspective since it was first introduced. We were assured by those working on the bill that trade book authors are not covered, and we do not see a basis for disagreeing since the bill clearly states that AB-5 applies only to “persons providing labor or services” and authors provide neither “labor” nor “services” under standard book contracts—they instead grant copyright licenses or assignments. Additionally, royalties—even in the form of advance payments—are not considered wages. It is difficult to imagine how a court would conclude that a typical book contract is for labor or services.

Writers with Service-Like Obligations Should Get a Legal Opinion

There are, however, some book-writing agreements that could be considered service agreements and arguably would fall under AB-5, such as work-made-for-hire agreements and contracts where the author has ongoing obligations and the publisher has greater editing ability or control over the content. Authors and writers working under multi-book contracts are most likely to encounter such a situation. These authors’ contracts should be reviewed by an attorney to determine whether they are subject to AB-5. Publishers and authors who want to be certain to retain a freelancer relationship should be careful to make sure the contracts are written as simple license grants and not as services agreements. For instance, the agreement should be written as a copyright grant of a defined work without interim or ongoing obligations, and remuneration should be in the form of royalties and advances against royalties. The writer should also have full control over their work and use their own workspace and tools. As a general rule, it is also recommended that freelance editors and journalists have written contracts that allow them to work when and where they want with no oversight other than approval of the finished work product.

If you have such a contract and are an Authors Guild member, remember that we do review members’ contracts for free. You can send us the agreement using our online form, and our legal team will get you comments and let you know if you need to revise the agreement.

UPDATE 1/16/20: Washington (State, not DC) is contemplating a bill like this as well. From the comments, below:
WA should be on your watchlist, too. An AB5-like bill was just re-introduced in the Senate there, even though it had been defeated last year. It, too, requires writers and other freelancers and independent contractors be hired as employees when their works contribute to the normal business of their clients. The bill ignores a study of independent contractors that was prepared by the Dept of Commerce after the bill's defeat. The study documents that 3/4 of the independent contractors in WA don't need or want the employee benefits touted by the bill's advocates. Between their own efforts and those of their families and friends, they're doing fine. Read the study yourself then write to Sen. Karen Keiser about your opposition to being made employees against your will.

The study: https://app.leg.wa.gov/committeeschedules/Home/Documents/26113?//20902
Senator Keiser: karen.keiser@leg.wa.gov
A similar law may be in the works in Illinois.

UPDATE 1/20/20: This article from Digiday explores the negative impact that AB-5 is already having on freelancers and publishers in California.




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New Wondermark book now available as hardcover and PDF download!

Above: A new sticker to accompany my new pin! For worthwhile and obvious reasons, Emerald City Comic Con was cancelled this past week. (It’s been tentatively rescheduled for August.) So, like many folks for whom that convention is a tentpole of their business year, I did all the usual prep for the show, but didn’t […]



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Four Horsemen Of You-Know-What

Locate S,1 “After the Final Rose” The first time I heard this song was the first time I saw Christina Schneider and Locate S,1 perform live last year, when they were opening for Of Montreal at the Bell House. I was immediately blown away by the verse melody – “women in love, women in airplanes […]




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Know When To Fold 'Em




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They Know Each Other Well

hmmm




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We Know How It Is




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It would be extra cruel and hilarious to not adopt Kevin now

Comics Curmudgeon readers! Do you love this blog and yearn for a novel written by its creator? Well, good news: Josh Fruhlinger's The Enthusiast is that novel! It's even about newspaper comic strips, partly. Check it out! Dennis the Menace, 5/9/20 I guess the flavor of mence that’s supposed to be happening here is that […]