Tag: 上海龙凤419

Biden Issues Executive Order on Foreclosures; HUD Updates DACA Regulations

first_imgHome / Daily Dose / Biden Issues Executive Order on Foreclosures; HUD Updates DACA Regulations Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, News 2021-01-20 David Wharton Biden Issues Executive Order on Foreclosures; HUD Updates DACA Regulations Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago January 20, 2021 3,053 Views The Best Markets For Residential Property Investors 2 days ago David Wharton, Managing Editor at the Five Star Institute, is a graduate of the University of Texas at Arlington, where he received his B.A. in English and minored in Journalism. Wharton has over 16 years’ experience in journalism and previously worked at Thomson Reuters, a multinational mass media and information firm, as Associate Content Editor, focusing on producing media content related to tax and accounting principles and government rules and regulations for accounting professionals. Wharton has an extensive and diversified portfolio of freelance material, with published contributions in both online and print media publications. Wharton and his family currently reside in Arlington, Texas. He can be reached at [email protected] Share Save Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days agocenter_img  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles On the first day of his administration, President Joe Biden issued a slate of executive orders, including one that called on federal departments and agencies to extend their bans on evictions and foreclosures through at least the end of March. As with the previous extensions, this act is designed to provide ongoing relief to homeowners and renters feeling the negative financial impact of the ongoing COVID-19 pandemic.According to the order, both housing foreclosures and evictions would be delayed until at least March 31, 2021.Earlier this week, FHFA extended once again their moratoriums on single-family foreclosures and real estate owned (REO) evictions through February 28. The moratoriums were previously set to expire on January 31.Also, on Wednesday morning, HUD Secretary Dr. Benjamin Carson and HUD Deputy Secretary Brian Montgomery announced that FHA would now permit DACA status recipients to apply for FHA-insured mortgages. The change was made effective as of January 19. According to the FHA’s statement:Prior to today’s announcement, the FHA Single Family Housing Handbook (“Handbook 4000.1 Section II.A.1.b.ii(A)(9)(c) includes this statement: “Non-US citizens without lawful residency in the U.S. are not eligible for FHA-insured mortgages.” This language was incorporated into the FHA Handbook by the Obama Administration in September 2015 although it was first incorporated into FHA guidelines in 2003.The statement also noted that “other FHA requirements remain in effect for all potential borrowers including DACA status recipients:the property will be the borrower’s principal residence;the borrower has a valid Social Security Number (SSN), except for those employed by the World Bank, a foreign embassy, or equivalent employer identified by HUD;the borrower is eligible to work in the U.S., as evidenced by the Employment Authorization Document issued by the USCIS; andthe borrower satisfies the same requirements, terms, and conditions as those forU.S. citizens.”Editor’s note: This piece has been updated to clarify that the FHA DACA changes were implemented by HUD Secretary Carson and Deputy Secretary Montgomery. Demand Propels Home Prices Upward 2 days ago About Author: David Wharton The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Rental Relief Needed Now Next: Housing Markets Most Impacted by COVID-19 Subscribelast_img read more


May 31, 2021 0

Missing March Madness 2020: Day 2 voting results of tourney bracket

first_imgMISSING MARCH MADNESS: Playing out full schedule, scores for 2020 NCAA TournamentWEST REGIONNo. 1 Gonzaga over No. 16 SienaYour vote: Gonzaga wins, 92.4 percent to 7.6 percentThoughts: No surprise here. The Zags have six players averaging double-figure points, and one more checking in at 9.8. Zero chance Siena could somehow weather that balanced attack.No. 8 Colorado over No. 9 OklahomaYour vote: Colorado wins, 53.8 to 46.2Thoughts: This was a toss-up for you, and that makes sense. The Buffaloes and Sooners are ranked back-to-back in the KenPom ratings — 35th and 36th, respectively — and they’re both better defensive teams than offensive teams, by Pom ratings, though they’re not shabby offensively, either. This might not have been the prettiest game of the tournament, but it would have been one of the most competitive.No. 5 Auburn over No. 12 LibertyYour vote: Auburn wins, 69.2 to 30.8Thoughts: After Auburn’s run to the Final Four last year, easy to see why you picked the Tigers despite their spot in the infamous 12/5 game. It’s just so much fun to pick a 12/5 upset, isn’t it? Well, you made the right choice here.No. 4 Oregon over No. 13 New Mexico StateYour vote: Oregon wins, 74.8 to 25.2Thoughts: This one would not have been threatening triple digits, I think it’s fair to say. New Mexico State ranked 343rd in the country with an average of 63.5 possessions per game, and Oregon was only slightly higher at 65.0 (319th). The difference probably would have been behind the 3-point line; Oregon was second in the country at 39.6 percent beyond the arc as a team, and New Mexico State was so-so defending it (161st in the country).No. 6 BYU over No. 11 Wichita StateYour vote: BYU wins, 52.3 to 47.7Thoughts: This was a bit closer than I expected, considering BYU might have been a seed low at 6, and the Cougars were just one of two teams to knock off Gonzaga this year (and they won by double-digits). But, I get it, it’s hard to bet against Wichita State in March, even though the Shockers only got to this point via their win over N.C. State in a First Four contest.No. 3 Maryland over No. 14 UC IrvineYour vote: Maryland wins, 80.0 to 20.0Thoughts: The Terps had a few derps along the way, but the inside-outside combo of senior guard Anthony Cowan and sophomore big man Jalen Smith would have been more than enough to get past Irvine. You clearly agree.No. 10 Arizona State over No. 7 Saint Mary’sYour vote: Arizona State wins, 54.5 to 45.5Thoughts: Arizona State has experience on its side, with four juniors — including stellar point guard Remy Martin, who averaged 19.1 points and 4.1 assists — and a senior getting heavy rotation minutes. And did we mention Martin, who is the type of player with a knack for the dramatic and seems destined to be an NCAA Tournament hero?No. 2 San Diego State over No. 15 Boston UYour vote: SDSU wins, 67.4 to 32.6Thoughts: Remember yesterday how we said it was clear a lot of you watched Utah State’s win over SDSU in the Mountain West title game? Well, yeah. For a 2 seed to get only 67.4 percent of the vote says we were probably right.MISSING MARCH MADNESS TALLIES: Day 1SOUTH REGIONNo. 1 Baylor over No. 16 Little RockYour vote: Baylor wins, 91.9 to 8.1Thoughts: The Bears, despite their late-season issues, would have had little trouble with Little Rock.No. 8 LSU over No. 9 USCYour vote: LSU wins, 72.6 to 27.4Thoughts: This was, by far, the most lopsided result from our 8/9 matchups. On paper, it would have been a fun battle of strength vs. strength. LSU had the nation’s fourth-best offense, according to KenPom’s adjusted efficiency, while USC had the nation’s 18th-best defense, according to KenPom’s adjusted efficiency. And I guess it didn’t matter that LSU hadn’t beaten an at-large caliber team since January, while USC finished its regular season with three such Ws in a row.No. 5 Virginia over No. 12 Stephen F. AustinYour vote: Virginia wins, 72.4 to 27.6Thoughts: I thought Stephen F. Austin would get more support here, primarily because the Lumberjacks went into Cameron Indoor and beat Duke early in the season, and also because Virginia’s Jekyl-and-Hyde March performances the past two years might have influenced the selections. But, nope. You expected SFA, which was 28-3, to be easily dispatched.No. 4 Wisconsin over No. 13 North TexasYour vote: Wisconsin wins, 92.1 to 7.9Thoughts: This is No. 1 seed stuff, folks. Wisconsin finished its regular season with eight consecutive wins, and you did not see that ending here.No. 11 Texas Tech over No. 6 Penn StateYour vote: Texas Tech wins, 62.2 to 37.8Thoughts: It’s an upset! Well, kinda. If this matchup and result had actually happened, zero chance it would have ever made any “most shocking upsets” lists, ever. The computer metrics loved Texas Tech — 22 in the NET, 21 at KenPom — even if the Red Raiders only actually won three of their 13 Quadrant 1 games, which was part of the reason they snuck in as an 11 seed.No. 3 Kentucky over No. 14 BradleyYour vote: Kentucky wins, 83.8 to 16.2Thoughts: Bradley was one of the few teams that actually got to celebrate a title in March before everything shut down, winning the Missouri Valley tournament as the No. 4 seed. And maybe worth noting that Kentucky’s primary blemish this year came at the hands of a Missouri Valley squad; Evansville won at Kentucky, then proceeded to go 0-18 in Valley play.No. 10 Florida over No. 7 ArizonaYour vote: Florida wins, 62.4 to 37.6 The actual NCAA Tournament has been canceled, but Sporting News is still offering the chance to pick upsets and virtually watch your favorite teams advance, round-by-round to the Final Four.You’ve probably already seen the results for Thursday’s first 16 contests; here are the tabulations for the second 16-game batch of opening-round contests from Friday. Thoughts: Like Texas Tech, Arizona was a team that the metrics loved; the Wildcats were 14th in the NET, despite going just 9-10 in Q 1/2 contests, which ain’t great. Unlike Texas Tech, though, you didn’t put much stock in the metrics, which is why Florida’s moving on.No. 2 Villanova over No. 15 WinthropYour vote: Villanova wins, 84.4 to 15.6Thoughts: Winthrop’s a plucky team, but Villanova knows a thing or two about winning in March. I see why you did what you did.last_img read more


August 14, 2020 0

Question Remains: How to Protect Highlands?

first_imgBy John BurtonMeeting to be held in OctoberHIGHLANDS – Mayor Frank Nolan knows something has to be done in the borough to prevent it from further flooding and damage similar to what occurred with Super Storm Sandy.But the mayor finds himself at odds with the U.S. Army Corps of Engin­eers over what that plan should be.A town hall meeting is expected to be held in early October by the corps and Nolan during which the Army Corps of Engineers is expected to make public its assessments for corrective action, according to David Gentile, the corps’ High­lands project manager.Following the devastating effects of last October’s storm, the corps and borough officials are looking at various options that will hopefully prevent a reoccurrence for the traditionally flood-prone Bayshore community.The corps proposal won’t work, the mayor said, and the corps has dismissed one of the solutions Nolan has proposed, an admittedly ambitious plan to elevate all of the structures situated in the borough’s low-lying area.Nolan said the corps recently recommended a plan that advocated building a high retaining wall at the bulkhead along Marine Place, which faces the water and runs parallel to Bay Avenue, the borough’s main thoroughfare populated by businesses and homes.The problem, Nolan said, is that most of Bay Avenue is below sea level. When there is an exceptional high tide, heavy rains or a combination, “we don’t flood from the bulkhead to the main road,” Nolan said. The area generally floods from the bulkhead to Bay Avenue with water rising from storm drains and sewers.A 15- or 16-foot wall along the shoreline “would create a bathtub effect,” trapping floodwater in the area, Nolan contended.Another problem with something like that, he said, was that it would be aesthetically unpleasing and would diminish property value. First and foremost, he said, “It doesn’t fix our problem.”The retaining wall remedy was the corps’ assessment from its 2009 feasibility study, which corps representatives have agreed to reassess, Nolan said.However, the corps’ Gentile, said recently that the Army Corps is “leaning toward” the wall option. Army engineers are looking at additional facets to the plan, which would include more pump stations and check valves to eliminate that effect, according to Gentile.“We would want (the Army Corps of Engineers) to consider multiple options,” Nolan said.The mayor said one option that should be discussed is the viability of lifting all of the structures located in the lower portion of the borough. Preliminary number crunching has Nolan believing it would cost somewhere around $200 million and could be effectively done, as was done to much of Galveston Island, Texas, more than 100 years ago following a devastating hurricane.Since this idea was first floated, Nolan said he has heard from engineers and scientists from Japan and the Netherlands who offered their ideas about how best to do it, if the project gets approval.The corps, however, has rejected that proposal, based upon its cost-effective analysis. The cost would be too high in comparison to the value of what it would be saving, Gentile said.The current total property value in Highlands stands at $575 million, according to Nolan. So far, the borough has seen a 7 percent loss of ratables with Sandy-damaged and closed businesses.“That doesn’t even include homes that are abandoned,” after the storm, Nolan said. He believes that when abandoned homes are factored into the equation, the loss in ratables is actually more than 30 percent.The upside of elevating sections of the borough, Nolan argued, would result in increases in property values because homes would be protected from flooding. It also would likely result in a flow of money into the community from businesses and developers, he said.“We know we have to do something,” Nolan said. “We definitely know there is something happening with the climate.”Nolan acknowledged the elevation idea may be radical – maybe too radical for many – but he believes the corps’ idea is a non-starter.“We’re hoping they’re going to look outside the box and not just at walls.”In the meantime, the borough council has bonded for $4.5 million for work on its sewer system and pump stations, Nolan said.last_img read more


August 4, 2020 0

Nelson Selects draw 1-1 against Terrace; U18 edge Richmond 2-1

first_imgIn Richmond, the U 17 girls lost 2-1 to Aldergrove in a game dominated by the Kootenay reps.Tahini Senchel scored the lone goal for Nelson.Brownwyn Sutherland took the loss in goal for the Selects.Earlier in the day, the U14 girls played one of the team’s best games of the season losing a 2-0 decision to pre-tournament favourite Vernon United.Vernon scored late in the first half and early in the second half to pull out the narrow victory.Hanna Quinn was in goal for the U14 Selects.In other action involving Nelson teams, the U13 girls lost 4-0 to North Shore Pegasus while the U18 Boys got past Richmond Athletics 2-1.Both tournaments continue through the weekend with the playoff round set for Sunday. Nelson Select teams had a tough time Thursday on Day one of the BC Soccer Provincial B Cup tournament in Richmond and Chilliwack.The U15 Selects scored a 1-1 draw against Terrace to open the Les Sinnott Memorial Tournament in Richmond.Marco Falcone, with an assist to Riley Osachoff, scored for the U15 Selects against Terrace in the opener for both teams.Raven Johnson was outstanding for Nelson in goal to preserve the points.last_img read more


August 3, 2020 0

Romeo hopes to make most of last stop

first_imgLights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew China population now over 1.4 billion as birthrate falls In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ BanKo Perlas sinks PayMaya; Petro Gazz triumphs with new import Dave Chappelle donates P1 million to Taal relief operations Volcano watch: Island fissures steaming, lake water receding Don’t miss out on the latest news and information. View comments Fresh off a record setting night, Terrence Romeo guns for another milestone even as the Smart All-Stars try to close out what has been a pulsating three-city PBA All-Star week on a winning note on Sunday night in Iloilo City.The TNT KaTropa guard, who fired a new All-Star mark of 48 points in the national pool’s 152-149 win last Friday night over the Luzon All Stars in Batangas City, can tie Vergel Meneses’ record of four All-Star MVP awards as he leads the Smart All-Stars against the Visayas selection at 6:30 p.m. at University of San Agustin Gym.ADVERTISEMENT Winfrey details her decision to withdraw from Simmons filmcenter_img Jury of 7 men, 5 women selected for Weinstein rape trial MOST READ Sports Related Videospowered by AdSparcRead Next Steam emission over Taal’s main crater ‘steady’ for past 24 hours Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Nadine Lustre’s phone stolen in Brazil LATEST STORIES With June Mar Fajardo and Kiefer Ravena suiting up for the Visayas, the Smart All-Stars, who will have Nash Racela as coach, will now turn to Mark Belo, Japeth Aguilar, Troy Rosario, Carl Bryan Cruz, Gabe Norwood, Matthew Wright, Allein Maliksi, RR Pogoy, Jio Jalalon, Jayson Castro and Calvin Abueva.But they will be up against a Visayas team raring to give the Nationals a stern test in the last and final stop of the mid season showcase.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownlast_img read more


January 18, 2020 0

Living Surprises, Living Hopes

first_imgHere are ten recent discoveries about plants and animals that are surprising and inspiring.  Some of them may lead to technologies that can improve our own lives.Fish-o-pus:  Slinking through Indonesian waters is a master of impersonation: an octopus that can elude predators by imitating a fish.  But that’s just part of the story.  Scientists have now found a fish that imitates the octopus that imitates the fish!  Story on Science News.  The jawfish apparently hangs around with the mimic octopus to share in its protective strategy.Mind meld with apes:  German scientists studied the four anthropoid apes, chimps, bonobos, gorillas and orang-utans, Science Daily said, and found that some (but not all) appeared to be able to calculate risks before acting.  Their experiment involved choices between small banana pieces in reliable spots, and larger banana pieces hidden behind variable locations.  The gorillas didn’t do so well.  It’s not clear whether readers will be as impressed with this as the researchers were, considering that birds seem to do even better at these kinds of brain teasers.  Last month, Live Science reported  that pigeon brains are on par with primates.Brazilian worm-eating plant:  A new kind of carnivorous plant has been found in the Cerrado of Brazil, a unique tropical biodiversity hotspot.  Reported in PNAS (January 9, 2012, doi: 10.1073/pnas.1114199109), the plant Philcoxia apparently uses sticky underground leaves to trap and eat roundworms.  PhysOrg has a picture and summary of the predatory plant.Flower power:  PhysOrg featured a researcher at Kansas State that is trying to untangle sunflower genetics.  Different species living in different climates have apparently become successful through gene duplications, hybridization and mobile genetic elements – pieces of genetic code that can relocate and insert themselves in different parts of the genome.  Although Mark Ungerer is couching his explanations in evolutionary terms, the article seems to indicate a kind of controlled adaptability that has occurred recently.  It seems premature to credit unguided processes with success at adapting to climates as different as Texas and Canada, considering Ungerer’s humble admission, “Although virtually all plants and animals have these types of sequences in their genomes, we still know very little about what phenomena cause them to amplify and make extra copies of themselves.”Rhinoceros foot puzzle:  The Royal Veterinary College is playing footsie with rhinos to see how their “stumpy little feet” can support so much weight.  Their weight-bearing strategy is apparently different from that of elephants.  According to the BBC News article, Dr. John Hutchinson has another reason for investigating this unknown marvel: “From understanding the feet of rhinos, as an example of a big land mammal, we could draw inspiration and understand how to build devices that can handle heavy loads and carry them around while moving.”Pause for paws:  Speaking of feet, why don’t dogs get frostbite from walking in the snow?  Think of those brave Alaskan huskies on the Iditerod.  Actually, dogs can get frostbitten paws, depending on the breed, but they rarely do.  PhysOrg told how scientists from Tokyo checked out the paws of four dog breeds and discovered an ingenious heat-exchanging system in the blood vessels that not only transfers warmth to the bare surfaces of paws but ensures blood returning to the heart is warm enough.  Cool pet tip: spray the paws with cooking spray before taking your best friend into the snow.Gecko fish:  Ever heard of the northern clingfish?  These are small fish on the north Pacific coast that have mastered the art of clinging to shoreline rocks as they search for food.  Remarkably, their modified fins use a similar adhesion technique as geckos, reported Science Magazine (20 January 2012: Vol. 335 no. 6066 p. 277, doi: 10.1126/science.335.6066.277).  Their modified belly fins have tiny hairs that make use of atomic forces, adhering to rough surfaces better than suction cups.  An undergraduate student found that the clingfish can support 180 times their own weight.Do the fish walk:  The headline at Life’s Little Mysteries promises to show how “Discovery Reveals How Fish Learned to Walk,” but the article is actually about real living fish called Pacific leaping blennies that do the twist as they flip around the intertidal zones of Guam.  These are not Darwin fish; they have no feet, and their muscles are really not different from those of other fish.  Their flip-flop “walk” is more an adaptive behavior than evolution.  Researcher Tonia Hsieh was astonished to find half her lab blennies walked out of the tank overnight.  Then she found some of them on the wall.Leaping lizards:  Speaking of Tonia Hsieh, a biologist at Temple University who developed a childhood fascination with lizards and other animals, she has a cool lab to study lizard leaps in slow motion.  She especially likes the basilisk, a lizard that stands up and runs fast, reported the Philadelphia Inquirer – so fast it can run over water, giving the nickname the “Jesus lizard.”  You can watch these amazing lizards in action on Hsieh’s track at the Temple University website.  “It’s important to realize that animals do not have a specific program to tell them how to react to each and every possible perturbation scenario in the real world,” she said, yet they manage to keep going even when encountering a slippery spot.  Understanding their locomotion strategies, she believes, can help robot designers walk out of the wheel rut.  Her research might also help the elderly prevent falls.Miracle tree:  Readers may remember Moringa oleifera, the “miracle tree” that not only provides food and fuel, but can actually disinfect water for poor countries (3/09/2010).  Previously we learned that crushed Moringa seeds, sprinkled in turbid water, took out the turbidity and killed bacteria.  One problem was making the process sustainable and affordable.  Without proper techniques, the dissolved organic compounds could return to cloud the water again.  Now, according to PhysOrg, clean drinking water for the poor is a step closer to reality.  The American Chemical Society published a paper by scientists who identified the protein in the seeds that has the antibacterial effect.  By attaching it to sand, they can attract both the bacteria and the dissolved organic compounds to the sand particles, which carry the impurities to the bottom, leaving clean water suitable for drinking.  The paper is published in the ACS journal Langmuir.  The new process is inexpensive and sustainable, said Science Daily, and a billion people stand ready to benefit from this one remarkable plant, “one of the world’s most useful trees.”We love good science here.  Most of this is good old, Darwin-free scientific discovery.  What has evolution done for any of it?  Sure, the sunflower wizard believes in evolution, but he was watching built-in adaptation tricks of the genome in action, not some external “natural selector” corralling chance mutations.  Sure, Tonia believes in evolution, but her lizard track meets are designed to improve senior health and robotics.  In every case, evolution had nothing of substance to add to the science.  What wonderful benefits await poor people from research on how to employ a tree’s built-in codes to purify water!  Evolution is like a ball and chain on this kind of science.  Take it off, and let science take off.(Visited 27 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more


December 19, 2019 0

Evolution Falsely So Called

first_img(Visited 41 times, 1 visits today)FacebookTwitterPinterestSave分享0 Evolutionary theory gets credited for changes that really do not help Darwin’s view of a universal tree of life.  Three examples show how.Toxin resistance by insects:  Science Daily reported on a study out of Cornell University that showed the same mutation occurring in four orders of insects, conferring resistance to plant toxins called cardenolides.  “This is truly a remarkable level of evolutionary repeatability and suggests that evolving resistance to the plant toxin had very few effective options,” lead research Anurag Agrawal said, hinting that evolution might in some way be predestined.  But as Dr. Michael Behe argued, single point mutations, even double mutations, lie within the “Edge of Evolution” and can thus be explained by chance.  Insects gaining the mutation will survive and proliferate because the cardenolides will no longer bind to enzymes required by the insects’ sodium pump.  The insects are still the same species, however.  They have not generated any novel genetic information, let alone a new irreducibly complex structure.  Point mutations cannot explain the origin of the sodium pump and the enzyme in the first place.  At best, this mutation represents a loss of genetic information that happened to help the insects escape death, so it falls in the category of “cutting off a hand makes you immune to handcuffs” – hardly a mechanism that can generate the diverse and c0mplex wonders of the living world.  See also the explanation at Uncommon Descent.Speciation by gene duplication:  A case of a new “species” of monkeyflower emerging from a whole-genome duplication was reported by Live Science.  The new hybrid apparently cannot crossbreed with other similar monkeyflowers, but whether this represents “newly evolved species” seems a stretch; it is still a monkeyflower, very similar in appearance to the sibling monkeyflowers without the duplication.  “While many new species of plants are thought to arise this way, it has only been witnessed amongst wild plants a handful of times in history,” one scientist was cited as saying.  He also placed most species evolution in the unobservable past, claiming, “most species originated thousands of years ago” by processes he could only describe as a “series of unlikely events“.  Again, no new genetic information was added.  Nothing was stated about the flowers fitness other than that is seen growing in the wild (most hybrids are sterile).  Since duplicating this paragraph would not explain the origin of the paragraph or make it more meaningful, it’s a stretch to call this evolution as Darwin envisioned it; if anything genetic duplication adds to genetic load—a burden on the DNA copying mechanisms that now require double the work with every cell division.Darwin’s robots:  The most egregious examples of evolutionary excess come when Darwin’s name gets attached to intelligent design.  Michael White did this in Science in his review of John Long’s new book, Darwin’s Devices: What Evolving Robots Can Teach Us About the History of Life and the Future of Technology. (White, “Evolution and Robots,” Science 20 July 2012: Vol. 337 no. 6092 pp. 294-295, DOI: 10.1126/science.1224874). White, who boasts of studying “the evolution of robots” himself, enjoyed Long’s “compelling and wide-ranging conversation.” he said.  “This includes discussions of the mechanics of fish backbones, how we practice science, the nature of evolution, what it means to be intelligent, our dystopian robot future, and, most important, the crucial role of good models in science.”  It appears both White and Long could use a refresher course on the “nature of evolution” —Darwin’s Devices recounts the efforts of Long and his colleagues to study the biomechanics and evolution of vertebrae in fish using autonomous, aquatic robots as models. Long is interested in whether natural selection for more efficient food-seeking behavior could have led to the appearance of stiff backbones in the earliest vertebrates. By allowing robots with different backbone properties to compete with each other and by having the winners pass their traits down to the next generation of robots, Long and his collaborators follow backbone evolution in their population of robotic fish.Clearly, Long was doing artificial selection—a form of intelligent design—not natural selection.  He had a goal and he acted as the intelligent selector.  He also designed the robotic fish to begin with.  How he could leap from ID selection into “natural selection,” which has no goal and no intelligent selector, shows that misconceptions about Darwinism persist even among Darwinians.Are you getting good at spotting the magic words?  Darwinians love magic words.  Here they were: “whether natural selection… could have led to the appearance of”.  That’s the sleight of hand: (1) could, invoking the Stuff Happens Law by the power of suggestion, (2) led to, a fallacy of goal-directed behavior inconsistent with Darwin’s undirected processes, and (3) the appearance of, an “abracadabra” phrase conveying no information about how a stiff backbone could have “appeared” by any kind of scientifically describable process.Notice also the investigator interference at every stage.  Long was “allowing” the robots “to compete” with each other.  He allowed “winners [to] pass their traits down”.  Who were the winners?  The ones Long predetermined would have stiff backbones, of course.  If this is what it means to “follow backbone evolution,” then a puppeteer is following puppet psychology.  If Long really wanted to test natural selection (even granting the existence of his designed robotic fish), he would have had to turn them loose, then walk out, lock the doors, and come back in a million years to observe what happened – without interfering in any way.It appears that before Darwin skeptics can win debates with Darwinians, they will have to teach Darwinians what Darwinism is.last_img read more


December 19, 2019 0

10 Reasons I Don’t Believe 57% Matters

first_img Essential Reading! Get my 2nd book: The Lost Art of Closing “In The Lost Art of Closing, Anthony proves that the final commitment can actually be one of the easiest parts of the sales process—if you’ve set it up properly with other commitments that have to happen long before the close. The key is to lead customers through a series of necessary steps designed to prevent a purchase stall.” Buy Now I don’t believe that most buyers have a linear process. Just like your sales process isn’t linear, and just like you might go over the same ground a few times, your buyer’s process isn’t a straight line from point A to point B, even if we sometimes illustrate it that way to teach some point. If your buyer does have a linear process, it doesn’t benefit you, and probably doesn’t benefit them as much as they believe it does.There is no way to determine how far a complex organization is into their buying process. I don’t believe suggesting that buyers are 57%, 65%, or 117% into their journey matters very much. The general idea that buyers are more informed is a fact. But every company has a different process, and especially when consensus is needed, it’s messy. The number 57% is no better than the 75% number you use in your sales force automation software to forecast a deal after you make your presentation (you don’t win 75% of those deals).Except for professional buyers, I don’t believe that most stakeholders are spending a lot of time on the Internet researching whatever it is you sell. They’re busy doing their work, and they’re doing so under greater pressure and with fewer resources. If you are professional enough to call and schedule an appointment, it’s likely that they haven’t seen your website. I believe Google’s ZMOT (Zero Moment Of Truth) is more applicable to consumer sales than complex business-to-business sales.Buyers don’t need to work very hard to find help buying what they need. You aren’t likely lucky enough to work in a market where you have few competitors. It’s more likely you work in a crowded market where a lot of good people and good companies sell what you sell. Do you ever feel that you are being commoditized? Your buyer need only wait fifteen minutes and she will receive a call from one of your many competitors.Information is only part of what a buyer needs when they explore change. When decisions are large, expensive, complex, and risky, the human aspects of a deal are more important than information, especially information that can be shared on the Internet. Things like trust, caring, other-orientation, collaboration, likeability, and cultural fit matter more than information.Most business-to-business sales organizations withhold their insights and share information. Buyers can find a lot of information. But go and look at a large business-to-business sales organization’s website and see how well they fare when it comes to sharing their special insight, the insights and ideas that differentiate them from their competitors. You are far more likely to hear your dream client ask you, “What makes you different?” than “I looked at your website and couldn’t believe how different you are from your competitors.”Even in situations when the buying organization has a process being led a professional buyer, the buying organization still wants to meet with the people they may be working with. Anecdotally, I have twice in as many months seen the buying organization extend a one-hour meeting to something greater than two and half hours because they had so many questions and the sales team they were speaking with was creating so much value.In my experience (and it’s not only my experience), I don’t see any sales organizations that suffer from being understaffed and unable to handle the number of dream clients beating a path to their door. But I almost invariably see sales organizations that need more opportunities in order to reach their goals. If buyers are doing research, discovering their own needs on their own, developing their own options, and resolving their own concerns, then why aren’t more phones ringing.If buyers no longer need salespeople, then there is no reason for the popularity of methodologies like the Challenger Sales, insight, business acumen, or situational knowledge. Instead, they should be disrupting themselves. Their first step onto the buying journey would be recognizing that the status quo isn’t good enough, understanding what new results are already available to them, and searching for potential partners. No doubt this is sometimes true. But in your experience, how easy is for you to weaken the status quo when you have the knowledge and resources to do so? How good is your company at initiating major change initiatives? Why isn’t every company you call on already aware of what they might be doing different to produce better results?The greatest reason your buyer knows so much about what you sell is that they have purchased what you sell enough times to know that they want and how they need you to deliver it to them. They’re sophisticated buyers because this isn’t their first rodeo. They’re looking for new ideas, and they’re looking for someone who can deliver better results.This is not say that data isn’t important or that it isn’t useful. It’s not to say that there isn’t some seriously valuable lesson to be learned from research and surveys. Undoubtedly there is some truth to the ideas that the people who buy whatever it is you sell now have access to more information.I wouldn’t take these data points to mean anything other than you should urgently nurture your dream client so as to become known as someone who can create value, rush to pick up the phone and call and schedule appointments to meet with the stakeholders who care about what you sell, and spend as much time as you can developing the chops to become your dream client’s trusted advisor.Oh, and you might want to do these things if you believe your dream client is 37%, 47%, 57%, 65%, or 111% through their buying process.last_img read more


December 9, 2019 0

Caluag fails to defend BMX title, settles for bronze

first_imgSports Related Videospowered by AdSparcRead Next The 30-year-old Caluag, who ruled the competition in 2013, wasn’t able to defend his crown in the 2015 SEA Games after host Singapore opted not to hold a BMX event.Caluag won the gold in the 2014 Asian Games in Incheon, South Korea.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSBoxers Pacquiao, Petecio torchbearers for SEA Games opening FILE PHOTO – Daniel Patrick Caluag finally strikes gold for the Philippines on Wednesday by winning the men’s BMX race at the Ganghwa Asiad BMX Track during the 17th Asian Games in Incheon, South Korea. NIÑO JESUS ORBETA/INQUIRERFormer Olympian Daniel Caluag settled for third place in the men’s BMX competition in the 2017 Southeast Asian Games Saturday in Kuala Lumpur, Malaysia.Caluag, who represented the Philippines in the 2012 London Olympics, fell behind Thailand’s Nonthakon Inkhokshong, who won silver and Indonesia’s gold medalist Gusti Bagus Saputra.ADVERTISEMENT Hotel says PH coach apologized for ‘kikiam for breakfast’ claim NCAA Season 93’s Best 7: Week 7 Trending Articles PLAY LIST 00:50Trending Articles02:49World-class track facilities installed at NCC for SEA Games03:07PH billiards team upbeat about gold medal chances in SEA Games05:25PH boxing team determined to deliver gold medals for PH03:04Filipino athletes share their expectations for 2019 SEA Games00:45Onyok Velasco see bright future for PH boxing in Olympics02:25PH women’s volleyball team motivated to deliver in front of hometown crowd01:27Filipino athletes get grand send-off ahead of SEA Games00:36Manny Pacquiao part of 2019 SEA Games opening ceremony Lacson: SEA Games fund put in foundation like ‘Napoles case’ LATEST STORIES View comments Celebrity chef Gary Rhodes dies at 59 with wife by his side Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ NATO’s aging eye in the sky to get a last overhaul MOST READ Robredo should’ve resigned as drug czar after lack of trust issue – Panelo Don’t miss out on the latest news and information. Biggest Pogo service provider padlocked for tax evasion Trump signs bills in support of Hong Kong protesterslast_img read more


November 28, 2019 0

Middle muddle for India needs to be sorted

first_imgAs stand-in captain, Rohit Sharma has plenty of reasons to feel happy. Under his leadership, India’s winning record in ODIs is healthy, though it does not mean he is going to get the job on a permanent basis soon.The Asia Cup was all about desert duels becoming interesting in the United Arab Emirates, with India playing all their matches in Dubai. The final against an inspired Bangladesh was close, making it money’s worth for fans who were present inside the arena and those who watched it live on television.After the disaster in England, where India lost the Test series in an insipid manner, this win in the Asia Cup has helped some fans overcome trauma. However, that does not mean lessons from England should be forgotten and there are still plenty of points to ponder for the demanding tour of Australia later in the year.Matches played in the Asia Cup have also provided pointers where India need to focus on in the ODIs. With Virat Kohli, who bats at No.3, missing this series, the middle order looked even more suspect. When the Rajiv Gandhi Khel Ratna winner is batting, he makes chasing totals look so easy.Also read – Former India cricketers happy with Asia Cup triumph but…Yet, the crucial positions in the middle – No.4, 5, and 6 – are ones which need attention in the ODIs. With the ICC World Cup to be held in England next summer, India must try out players who can fill these slots.advertisementLooking at the performance of some of the batsmen like Manish Pandey, Dinesh Karthik, Kedar Jadhav and Hardik Pandya, it would be advisable for the think-tank in Indian cricket to look at other faces.Initially, Pandey promised a lot but has been unable to live up to it. Karthik, after his exploits in the Indian Premier League (T20 format), certainly does not look capable of winning India ODIs. Hardik Pandya, billed as the next all-rounder in Kapil Dev mould, still has a long way to go. Jadhav did do his part against Bangladesh in the final but his fitness remains suspect.Also read – Harbhajan Singh lauds India’s well deserved Asia Cup 2018 triumphOne man who gets pilloried and yet remains essential to the Indian team in the shorter formats is Mahendra Singh Dhoni. You can criticise him for not batting as aggressively as before but he is still chipping in so coolly.As a motivator and team person to the core, Dhoni is still a big plus for the Indian team. Be it Kohli as captain or Rohit, Dhoni stays in the background and has plenty of gyaan to give them. This has been seen on television vis a vis field placing and also acknowledged by the two captains.Dhoni’s six-hitting may have receded but as a fast runner between wickets and one who values his own wicket, his runs are still crucial to the Indian team. There is no way this man can be touched till the next World Cup.Talk of his work as wicket-keeper, Dhoni is still the best bet. He has crossed the 800-mark in list of dismissals in international cricket, which is a record worth boasting. To think of a replacement for him before next year would be an academic exercise.Also read – Ravindra Jadeja should not have been dropped: Mohammad AzharuddinLooking back, conditions in Dubai were quite different compared to other ODI centres. Scores here were not in the 300 plus region. Even around 250 in an innings was fairly competitive with India’s bowlers again doing their job well.Preparing wickets in the UAE is not easy. There is high water salinity and in high heat and humidity, to prepare these kinds of tracks was on expected lines. If the Indian middle order struggled in such conditions, batting in England will be much more different.One doesn’t need experts to tell us India needs to look at other options for the middle order. Rishabh Pant, who scored a Test hundred in England, should be tried out. As a left-hander, he will bring variety to the batting line-up and has the ability to score big.Also read – Asia Cup: A team like this always makes the captain look good, says Rohit SharmaSomeone like Ajinkya Rahane also needs to be looked at as an option, because there are hardly any other names. KL Rahul may also be one more option to try out in ODIs ahead as the process of building the core team for the World Cup has to begin soon.advertisementThe middle order worries are serious and minus a quality all-rounder, the pressure is showing. Not long ago, Rahane was considered good enough for ODIs as well but to typify him as a dour bat and good for only Test cricket is wrong.One cannot forget the role played by Ravindra Jadeja in the Asia Cup. Virtually pulled out from the deep freezer, his bowling was effective. As batsman, he can be pretty effective. At least, one can now say that after watching the middle order struggle.last_img read more


November 17, 2019 0